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$12,093
−HK$758/mo
▼ 0.25% · 3.875%
HK$12,469
−HK$382/mo
Today · 4.125%
HK$12,851
baseline
▲ 0.50% · 4.625%
HK$13,633
+HK$782/mo
Deposit HK$2.65M · loan HK$2.65M · min. income ≈ HK$25,702/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$119,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,453
−HK$727/mo
▼ 0.25% · 3.875%
HK$13,814
−HK$366/mo
Today · 4.125%
HK$14,180
baseline
▲ 0.50% · 4.625%
HK$14,927
+HK$747/mo
Deposit HK$2.65M · loan HK$2.65M · min. income ≈ HK$28,360/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$119,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,511
−HK$910/mo
▼ 0.25% · 3.875%
HK$14,963
−HK$458/mo
Today · 4.125%
HK$15,421
baseline
▲ 0.50% · 4.625%
HK$16,360
+HK$939/mo
Deposit HK$2.12M · loan HK$3.18M · min. income ≈ HK$30,842/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,144
−HK$872/mo
▼ 0.25% · 3.875%
HK$16,577
−HK$439/mo
Today · 4.125%
HK$17,016
baseline
▲ 0.50% · 4.625%
HK$17,913
+HK$897/mo
Deposit HK$2.12M · loan HK$3.18M · min. income ≈ HK$34,032/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,930
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$17,457
−HK$535/mo
Today · 4.125%
HK$17,992
baseline
▲ 0.50% · 4.625%
HK$19,086
+HK$1,094/mo
Deposit HK$1.59M · loan HK$3.71M · min. income ≈ HK$35,984/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,834
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$19,339
−HK$513/mo
Today · 4.125%
HK$19,852
baseline
▲ 0.50% · 4.625%
HK$20,898
+HK$1,046/mo
Deposit HK$1.59M · loan HK$3.71M · min. income ≈ HK$39,704/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,767
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$22,444
−HK$688/mo
Today · 4.125%
HK$23,132
baseline
▲ 0.50% · 4.625%
HK$24,540
+HK$1,408/mo
Deposit HK$530K · loan HK$4.77M · min. income ≈ HK$46,264/mo (50% DSR)
Upfront cash ≈ HK$650K (deposit + AVD stamp duty HK$119,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,216
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$24,865
−HK$659/mo
Today · 4.125%
HK$25,524
baseline
▲ 0.50% · 4.625%
HK$26,869
+HK$1,345/mo
Deposit HK$530K · loan HK$4.77M · min. income ≈ HK$51,048/mo (50% DSR)
Upfront cash ≈ HK$650K (deposit + AVD stamp duty HK$119,324 · 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).