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$12,103
−HK$759/mo
▼ 0.25% · 3.875%
HK$12,479
−HK$383/mo
Today · 4.125%
HK$12,862
baseline
▲ 0.50% · 4.625%
HK$13,644
+HK$782/mo
Deposit HK$2.65M · loan HK$2.65M · min. income ≈ HK$25,724/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$119,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,464
−HK$727/mo
▼ 0.25% · 3.875%
HK$13,825
−HK$366/mo
Today · 4.125%
HK$14,191
baseline
▲ 0.50% · 4.625%
HK$14,940
+HK$749/mo
Deposit HK$2.65M · loan HK$2.65M · min. income ≈ HK$28,382/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$119,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,523
−HK$911/mo
▼ 0.25% · 3.875%
HK$14,975
−HK$459/mo
Today · 4.125%
HK$15,434
baseline
▲ 0.50% · 4.625%
HK$16,373
+HK$939/mo
Deposit HK$2.12M · loan HK$3.18M · min. income ≈ HK$30,868/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,157
−HK$873/mo
▼ 0.25% · 3.875%
HK$16,590
−HK$440/mo
Today · 4.125%
HK$17,030
baseline
▲ 0.50% · 4.625%
HK$17,927
+HK$897/mo
Deposit HK$2.12M · loan HK$3.18M · min. income ≈ HK$34,060/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,944
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$17,471
−HK$535/mo
Today · 4.125%
HK$18,006
baseline
▲ 0.50% · 4.625%
HK$19,102
+HK$1,096/mo
Deposit HK$1.59M · loan HK$3.72M · min. income ≈ HK$36,012/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,850
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$19,355
−HK$513/mo
Today · 4.125%
HK$19,868
baseline
▲ 0.50% · 4.625%
HK$20,915
+HK$1,047/mo
Deposit HK$1.59M · loan HK$3.72M · min. income ≈ HK$39,736/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,785
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$22,462
−HK$689/mo
Today · 4.125%
HK$23,151
baseline
▲ 0.50% · 4.625%
HK$24,559
+HK$1,408/mo
Deposit HK$531K · loan HK$4.78M · min. income ≈ HK$46,302/mo (50% DSR)
Upfront cash ≈ HK$650K (deposit + AVD stamp duty HK$119,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,235
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$24,885
−HK$660/mo
Today · 4.125%
HK$25,545
baseline
▲ 0.50% · 4.625%
HK$26,891
+HK$1,346/mo
Deposit HK$531K · loan HK$4.78M · min. income ≈ HK$51,090/mo (50% DSR)
Upfront cash ≈ HK$650K (deposit + AVD stamp duty HK$119,421 · 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).