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$12,054
−HK$755/mo
▼ 0.25% · 3.875%
HK$12,428
−HK$381/mo
Today · 4.125%
HK$12,809
baseline
▲ 0.50% · 4.625%
HK$13,589
+HK$780/mo
Deposit HK$2.64M · loan HK$2.64M · min. income ≈ HK$25,618/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$118,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,409
−HK$725/mo
▼ 0.25% · 3.875%
HK$13,769
−HK$365/mo
Today · 4.125%
HK$14,134
baseline
▲ 0.50% · 4.625%
HK$14,879
+HK$745/mo
Deposit HK$2.64M · loan HK$2.64M · min. income ≈ HK$28,268/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$118,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,464
−HK$907/mo
▼ 0.25% · 3.875%
HK$14,914
−HK$457/mo
Today · 4.125%
HK$15,371
baseline
▲ 0.50% · 4.625%
HK$16,307
+HK$936/mo
Deposit HK$2.11M · loan HK$3.17M · min. income ≈ HK$30,742/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,091
−HK$870/mo
▼ 0.25% · 3.875%
HK$16,523
−HK$438/mo
Today · 4.125%
HK$16,961
baseline
▲ 0.50% · 4.625%
HK$17,855
+HK$894/mo
Deposit HK$2.11M · loan HK$3.17M · min. income ≈ HK$33,922/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,875
−HK$1,058/mo
▼ 0.25% · 3.875%
HK$17,400
−HK$533/mo
Today · 4.125%
HK$17,933
baseline
▲ 0.50% · 4.625%
HK$19,024
+HK$1,091/mo
Deposit HK$1.59M · loan HK$3.70M · min. income ≈ HK$35,866/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,773
−HK$1,014/mo
▼ 0.25% · 3.875%
HK$19,277
−HK$510/mo
Today · 4.125%
HK$19,787
baseline
▲ 0.50% · 4.625%
HK$20,830
+HK$1,043/mo
Deposit HK$1.59M · loan HK$3.70M · min. income ≈ HK$39,574/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,696
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$22,371
−HK$686/mo
Today · 4.125%
HK$23,057
baseline
▲ 0.50% · 4.625%
HK$24,460
+HK$1,403/mo
Deposit HK$529K · loan HK$4.76M · min. income ≈ HK$46,114/mo (50% DSR)
Upfront cash ≈ HK$648K (deposit + AVD stamp duty HK$118,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,137
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$24,784
−HK$657/mo
Today · 4.125%
HK$25,441
baseline
▲ 0.50% · 4.625%
HK$26,782
+HK$1,341/mo
Deposit HK$529K · loan HK$4.76M · min. income ≈ HK$50,882/mo (50% DSR)
Upfront cash ≈ HK$648K (deposit + AVD stamp duty HK$118,936 · 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).