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$12,017
−HK$753/mo
▼ 0.25% · 3.875%
HK$12,390
−HK$380/mo
Today · 4.125%
HK$12,770
baseline
▲ 0.50% · 4.625%
HK$13,547
+HK$777/mo
Deposit HK$2.63M · loan HK$2.63M · min. income ≈ HK$25,540/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$118,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,368
−HK$723/mo
▼ 0.25% · 3.875%
HK$13,727
−HK$364/mo
Today · 4.125%
HK$14,091
baseline
▲ 0.50% · 4.625%
HK$14,833
+HK$742/mo
Deposit HK$2.63M · loan HK$2.63M · min. income ≈ HK$28,182/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$118,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,420
−HK$904/mo
▼ 0.25% · 3.875%
HK$14,868
−HK$456/mo
Today · 4.125%
HK$15,324
baseline
▲ 0.50% · 4.625%
HK$16,257
+HK$933/mo
Deposit HK$2.11M · loan HK$3.16M · min. income ≈ HK$30,648/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,042
−HK$867/mo
▼ 0.25% · 3.875%
HK$16,472
−HK$437/mo
Today · 4.125%
HK$16,909
baseline
▲ 0.50% · 4.625%
HK$17,800
+HK$891/mo
Deposit HK$2.11M · loan HK$3.16M · min. income ≈ HK$33,818/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,823
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$17,347
−HK$531/mo
Today · 4.125%
HK$17,878
baseline
▲ 0.50% · 4.625%
HK$18,966
+HK$1,088/mo
Deposit HK$1.58M · loan HK$3.69M · min. income ≈ HK$35,756/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,716
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$19,218
−HK$509/mo
Today · 4.125%
HK$19,727
baseline
▲ 0.50% · 4.625%
HK$20,767
+HK$1,040/mo
Deposit HK$1.58M · loan HK$3.69M · min. income ≈ HK$39,454/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,630
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$22,303
−HK$683/mo
Today · 4.125%
HK$22,986
baseline
▲ 0.50% · 4.625%
HK$24,385
+HK$1,399/mo
Deposit HK$527K · loan HK$4.74M · min. income ≈ HK$45,972/mo (50% DSR)
Upfront cash ≈ HK$646K (deposit + AVD stamp duty HK$118,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,063
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$24,708
−HK$655/mo
Today · 4.125%
HK$25,363
baseline
▲ 0.50% · 4.625%
HK$26,700
+HK$1,337/mo
Deposit HK$527K · loan HK$4.74M · min. income ≈ HK$50,726/mo (50% DSR)
Upfront cash ≈ HK$646K (deposit + AVD stamp duty HK$118,572 · 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).