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$12,072
−HK$757/mo
▼ 0.25% · 3.875%
HK$12,448
−HK$381/mo
Today · 4.125%
HK$12,829
baseline
▲ 0.50% · 4.625%
HK$13,610
+HK$781/mo
Deposit HK$2.65M · loan HK$2.65M · min. income ≈ HK$25,658/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$119,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,430
−HK$726/mo
▼ 0.25% · 3.875%
HK$13,791
−HK$365/mo
Today · 4.125%
HK$14,156
baseline
▲ 0.50% · 4.625%
HK$14,902
+HK$746/mo
Deposit HK$2.65M · loan HK$2.65M · min. income ≈ HK$28,312/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$119,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,487
−HK$908/mo
▼ 0.25% · 3.875%
HK$14,937
−HK$458/mo
Today · 4.125%
HK$15,395
baseline
▲ 0.50% · 4.625%
HK$16,332
+HK$937/mo
Deposit HK$2.12M · loan HK$3.18M · min. income ≈ HK$30,790/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,116
−HK$871/mo
▼ 0.25% · 3.875%
HK$16,549
−HK$438/mo
Today · 4.125%
HK$16,987
baseline
▲ 0.50% · 4.625%
HK$17,883
+HK$896/mo
Deposit HK$2.12M · loan HK$3.18M · min. income ≈ HK$33,974/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,901
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$17,427
−HK$534/mo
Today · 4.125%
HK$17,961
baseline
▲ 0.50% · 4.625%
HK$19,054
+HK$1,093/mo
Deposit HK$1.59M · loan HK$3.71M · min. income ≈ HK$35,922/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,803
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$19,307
−HK$511/mo
Today · 4.125%
HK$19,818
baseline
▲ 0.50% · 4.625%
HK$20,863
+HK$1,045/mo
Deposit HK$1.59M · loan HK$3.71M · min. income ≈ HK$39,636/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,730
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$22,406
−HK$687/mo
Today · 4.125%
HK$23,093
baseline
▲ 0.50% · 4.625%
HK$24,498
+HK$1,405/mo
Deposit HK$529K · loan HK$4.76M · min. income ≈ HK$46,186/mo (50% DSR)
Upfront cash ≈ HK$649K (deposit + AVD stamp duty HK$119,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,175
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$24,823
−HK$658/mo
Today · 4.125%
HK$25,481
baseline
▲ 0.50% · 4.625%
HK$26,824
+HK$1,343/mo
Deposit HK$529K · loan HK$4.76M · min. income ≈ HK$50,962/mo (50% DSR)
Upfront cash ≈ HK$649K (deposit + AVD stamp duty HK$119,122 · 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).