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$12,044
−HK$755/mo
▼ 0.25% · 3.875%
HK$12,418
−HK$381/mo
Today · 4.125%
HK$12,799
baseline
▲ 0.50% · 4.625%
HK$13,578
+HK$779/mo
Deposit HK$2.64M · loan HK$2.64M · min. income ≈ HK$25,598/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$118,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,399
−HK$724/mo
▼ 0.25% · 3.875%
HK$13,758
−HK$365/mo
Today · 4.125%
HK$14,123
baseline
▲ 0.50% · 4.625%
HK$14,867
+HK$744/mo
Deposit HK$2.64M · loan HK$2.64M · min. income ≈ HK$28,246/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$118,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,453
−HK$906/mo
▼ 0.25% · 3.875%
HK$14,902
−HK$457/mo
Today · 4.125%
HK$15,359
baseline
▲ 0.50% · 4.625%
HK$16,293
+HK$934/mo
Deposit HK$2.11M · loan HK$3.17M · min. income ≈ HK$30,718/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,078
−HK$869/mo
▼ 0.25% · 3.875%
HK$16,510
−HK$437/mo
Today · 4.125%
HK$16,947
baseline
▲ 0.50% · 4.625%
HK$17,840
+HK$893/mo
Deposit HK$2.11M · loan HK$3.17M · min. income ≈ HK$33,894/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,861
−HK$1,058/mo
▼ 0.25% · 3.875%
HK$17,386
−HK$533/mo
Today · 4.125%
HK$17,919
baseline
▲ 0.50% · 4.625%
HK$19,009
+HK$1,090/mo
Deposit HK$1.58M · loan HK$3.70M · min. income ≈ HK$35,838/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,758
−HK$1,014/mo
▼ 0.25% · 3.875%
HK$19,261
−HK$511/mo
Today · 4.125%
HK$19,772
baseline
▲ 0.50% · 4.625%
HK$20,814
+HK$1,042/mo
Deposit HK$1.58M · loan HK$3.70M · min. income ≈ HK$39,544/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,679
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$22,353
−HK$685/mo
Today · 4.125%
HK$23,038
baseline
▲ 0.50% · 4.625%
HK$24,440
+HK$1,402/mo
Deposit HK$528K · loan HK$4.75M · min. income ≈ HK$46,076/mo (50% DSR)
Upfront cash ≈ HK$647K (deposit + AVD stamp duty HK$118,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,118
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$24,764
−HK$657/mo
Today · 4.125%
HK$25,421
baseline
▲ 0.50% · 4.625%
HK$26,761
+HK$1,340/mo
Deposit HK$528K · loan HK$4.75M · min. income ≈ HK$50,842/mo (50% DSR)
Upfront cash ≈ HK$647K (deposit + AVD stamp duty HK$118,841 · 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).