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$12,072
−HK$757/mo
▼ 0.25% · 3.875%
HK$12,447
−HK$382/mo
Today · 4.125%
HK$12,829
baseline
▲ 0.50% · 4.625%
HK$13,609
+HK$780/mo
Deposit HK$2.65M · loan HK$2.65M · min. income ≈ HK$25,658/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$119,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,430
−HK$725/mo
▼ 0.25% · 3.875%
HK$13,790
−HK$365/mo
Today · 4.125%
HK$14,155
baseline
▲ 0.50% · 4.625%
HK$14,901
+HK$746/mo
Deposit HK$2.65M · loan HK$2.65M · min. income ≈ HK$28,310/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$119,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,486
−HK$909/mo
▼ 0.25% · 3.875%
HK$14,937
−HK$458/mo
Today · 4.125%
HK$15,395
baseline
▲ 0.50% · 4.625%
HK$16,331
+HK$936/mo
Deposit HK$2.12M · loan HK$3.18M · min. income ≈ HK$30,790/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,116
−HK$870/mo
▼ 0.25% · 3.875%
HK$16,548
−HK$438/mo
Today · 4.125%
HK$16,986
baseline
▲ 0.50% · 4.625%
HK$17,882
+HK$896/mo
Deposit HK$2.12M · loan HK$3.18M · min. income ≈ HK$33,972/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,900
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$17,426
−HK$534/mo
Today · 4.125%
HK$17,960
baseline
▲ 0.50% · 4.625%
HK$19,053
+HK$1,093/mo
Deposit HK$1.59M · loan HK$3.71M · min. income ≈ HK$35,920/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,802
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$19,306
−HK$511/mo
Today · 4.125%
HK$19,817
baseline
▲ 0.50% · 4.625%
HK$20,862
+HK$1,045/mo
Deposit HK$1.59M · loan HK$3.71M · min. income ≈ HK$39,634/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,729
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$22,405
−HK$687/mo
Today · 4.125%
HK$23,092
baseline
▲ 0.50% · 4.625%
HK$24,497
+HK$1,405/mo
Deposit HK$529K · loan HK$4.76M · min. income ≈ HK$46,184/mo (50% DSR)
Upfront cash ≈ HK$649K (deposit + AVD stamp duty HK$119,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,173
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$24,822
−HK$658/mo
Today · 4.125%
HK$25,480
baseline
▲ 0.50% · 4.625%
HK$26,823
+HK$1,343/mo
Deposit HK$529K · loan HK$4.76M · min. income ≈ HK$50,960/mo (50% DSR)
Upfront cash ≈ HK$649K (deposit + AVD stamp duty HK$119,116 · 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).