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$12,020
−HK$754/mo
▼ 0.25% · 3.875%
HK$12,394
−HK$380/mo
Today · 4.125%
HK$12,774
baseline
▲ 0.50% · 4.625%
HK$13,551
+HK$777/mo
Deposit HK$2.64M · loan HK$2.64M · min. income ≈ HK$25,548/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$118,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,372
−HK$722/mo
▼ 0.25% · 3.875%
HK$13,731
−HK$363/mo
Today · 4.125%
HK$14,094
baseline
▲ 0.50% · 4.625%
HK$14,837
+HK$743/mo
Deposit HK$2.64M · loan HK$2.64M · min. income ≈ HK$28,188/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$118,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,424
−HK$904/mo
▼ 0.25% · 3.875%
HK$14,872
−HK$456/mo
Today · 4.125%
HK$15,328
baseline
▲ 0.50% · 4.625%
HK$16,261
+HK$933/mo
Deposit HK$2.11M · loan HK$3.16M · min. income ≈ HK$30,656/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,046
−HK$867/mo
▼ 0.25% · 3.875%
HK$16,477
−HK$436/mo
Today · 4.125%
HK$16,913
baseline
▲ 0.50% · 4.625%
HK$17,805
+HK$892/mo
Deposit HK$2.11M · loan HK$3.16M · min. income ≈ HK$33,826/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,828
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$17,351
−HK$532/mo
Today · 4.125%
HK$17,883
baseline
▲ 0.50% · 4.625%
HK$18,971
+HK$1,088/mo
Deposit HK$1.58M · loan HK$3.69M · min. income ≈ HK$35,766/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,721
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$19,223
−HK$509/mo
Today · 4.125%
HK$19,732
baseline
▲ 0.50% · 4.625%
HK$20,772
+HK$1,040/mo
Deposit HK$1.58M · loan HK$3.69M · min. income ≈ HK$39,464/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,636
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$22,309
−HK$684/mo
Today · 4.125%
HK$22,993
baseline
▲ 0.50% · 4.625%
HK$24,392
+HK$1,399/mo
Deposit HK$527K · loan HK$4.74M · min. income ≈ HK$45,986/mo (50% DSR)
Upfront cash ≈ HK$646K (deposit + AVD stamp duty HK$118,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,070
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$24,715
−HK$655/mo
Today · 4.125%
HK$25,370
baseline
▲ 0.50% · 4.625%
HK$26,707
+HK$1,337/mo
Deposit HK$527K · loan HK$4.74M · min. income ≈ HK$50,740/mo (50% DSR)
Upfront cash ≈ HK$646K (deposit + AVD stamp duty HK$118,604 · 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).