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$12,109
−HK$760/mo
▼ 0.25% · 3.875%
HK$12,486
−HK$383/mo
Today · 4.125%
HK$12,869
baseline
▲ 0.50% · 4.625%
HK$13,652
+HK$783/mo
Deposit HK$2.66M · loan HK$2.66M · min. income ≈ HK$25,738/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$119,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,471
−HK$728/mo
▼ 0.25% · 3.875%
HK$13,833
−HK$366/mo
Today · 4.125%
HK$14,199
baseline
▲ 0.50% · 4.625%
HK$14,948
+HK$749/mo
Deposit HK$2.66M · loan HK$2.66M · min. income ≈ HK$28,398/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$119,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,531
−HK$911/mo
▼ 0.25% · 3.875%
HK$14,983
−HK$459/mo
Today · 4.125%
HK$15,442
baseline
▲ 0.50% · 4.625%
HK$16,382
+HK$940/mo
Deposit HK$2.12M · loan HK$3.19M · min. income ≈ HK$30,884/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,166
−HK$873/mo
▼ 0.25% · 3.875%
HK$16,599
−HK$440/mo
Today · 4.125%
HK$17,039
baseline
▲ 0.50% · 4.625%
HK$17,937
+HK$898/mo
Deposit HK$2.12M · loan HK$3.19M · min. income ≈ HK$34,078/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,953
−HK$1,063/mo
▼ 0.25% · 3.875%
HK$17,480
−HK$536/mo
Today · 4.125%
HK$18,016
baseline
▲ 0.50% · 4.625%
HK$19,112
+HK$1,096/mo
Deposit HK$1.59M · loan HK$3.72M · min. income ≈ HK$36,032/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,860
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$19,366
−HK$513/mo
Today · 4.125%
HK$19,879
baseline
▲ 0.50% · 4.625%
HK$20,927
+HK$1,048/mo
Deposit HK$1.59M · loan HK$3.72M · min. income ≈ HK$39,758/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,797
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$22,475
−HK$688/mo
Today · 4.125%
HK$23,163
baseline
▲ 0.50% · 4.625%
HK$24,573
+HK$1,410/mo
Deposit HK$531K · loan HK$4.78M · min. income ≈ HK$46,326/mo (50% DSR)
Upfront cash ≈ HK$651K (deposit + AVD stamp duty HK$119,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,248
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$24,899
−HK$659/mo
Today · 4.125%
HK$25,558
baseline
▲ 0.50% · 4.625%
HK$26,906
+HK$1,348/mo
Deposit HK$531K · loan HK$4.78M · min. income ≈ HK$51,116/mo (50% DSR)
Upfront cash ≈ HK$651K (deposit + AVD stamp duty HK$119,485 · 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).