The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$12,021
−HK$754/mo
▼ 0.25% · 3.875%
HK$12,395
−HK$380/mo
Today · 4.125%
HK$12,775
baseline
▲ 0.50% · 4.625%
HK$13,552
+HK$777/mo
Deposit HK$2.64M · loan HK$2.64M · min. income ≈ HK$25,550/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$118,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,373
−HK$723/mo
▼ 0.25% · 3.875%
HK$13,732
−HK$364/mo
Today · 4.125%
HK$14,096
baseline
▲ 0.50% · 4.625%
HK$14,839
+HK$743/mo
Deposit HK$2.64M · loan HK$2.64M · min. income ≈ HK$28,192/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$118,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,425
−HK$905/mo
▼ 0.25% · 3.875%
HK$14,874
−HK$456/mo
Today · 4.125%
HK$15,330
baseline
▲ 0.50% · 4.625%
HK$16,263
+HK$933/mo
Deposit HK$2.11M · loan HK$3.16M · min. income ≈ HK$30,660/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,048
−HK$867/mo
▼ 0.25% · 3.875%
HK$16,478
−HK$437/mo
Today · 4.125%
HK$16,915
baseline
▲ 0.50% · 4.625%
HK$17,807
+HK$892/mo
Deposit HK$2.11M · loan HK$3.16M · min. income ≈ HK$33,830/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,829
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$17,353
−HK$532/mo
Today · 4.125%
HK$17,885
baseline
▲ 0.50% · 4.625%
HK$18,973
+HK$1,088/mo
Deposit HK$1.58M · loan HK$3.69M · min. income ≈ HK$35,770/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,723
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$19,225
−HK$509/mo
Today · 4.125%
HK$19,734
baseline
▲ 0.50% · 4.625%
HK$20,774
+HK$1,040/mo
Deposit HK$1.58M · loan HK$3.69M · min. income ≈ HK$39,468/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,638
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$22,311
−HK$684/mo
Today · 4.125%
HK$22,995
baseline
▲ 0.50% · 4.625%
HK$24,394
+HK$1,399/mo
Deposit HK$527K · loan HK$4.74M · min. income ≈ HK$45,990/mo (50% DSR)
Upfront cash ≈ HK$646K (deposit + AVD stamp duty HK$118,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,072
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$24,717
−HK$655/mo
Today · 4.125%
HK$25,372
baseline
▲ 0.50% · 4.625%
HK$26,710
+HK$1,338/mo
Deposit HK$527K · loan HK$4.74M · min. income ≈ HK$50,744/mo (50% DSR)
Upfront cash ≈ HK$646K (deposit + AVD stamp duty HK$118,615 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).