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$12,082
−HK$758/mo
▼ 0.25% · 3.875%
HK$12,458
−HK$382/mo
Today · 4.125%
HK$12,840
baseline
▲ 0.50% · 4.625%
HK$13,621
+HK$781/mo
Deposit HK$2.65M · loan HK$2.65M · min. income ≈ HK$25,680/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$119,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,441
−HK$726/mo
▼ 0.25% · 3.875%
HK$13,802
−HK$365/mo
Today · 4.125%
HK$14,167
baseline
▲ 0.50% · 4.625%
HK$14,914
+HK$747/mo
Deposit HK$2.65M · loan HK$2.65M · min. income ≈ HK$28,334/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$119,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,498
−HK$910/mo
▼ 0.25% · 3.875%
HK$14,949
−HK$459/mo
Today · 4.125%
HK$15,408
baseline
▲ 0.50% · 4.625%
HK$16,345
+HK$937/mo
Deposit HK$2.12M · loan HK$3.18M · min. income ≈ HK$30,816/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,129
−HK$872/mo
▼ 0.25% · 3.875%
HK$16,562
−HK$439/mo
Today · 4.125%
HK$17,001
baseline
▲ 0.50% · 4.625%
HK$17,897
+HK$896/mo
Deposit HK$2.12M · loan HK$3.18M · min. income ≈ HK$34,002/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,915
−HK$1,061/mo
▼ 0.25% · 3.875%
HK$17,441
−HK$535/mo
Today · 4.125%
HK$17,976
baseline
▲ 0.50% · 4.625%
HK$19,069
+HK$1,093/mo
Deposit HK$1.59M · loan HK$3.71M · min. income ≈ HK$35,952/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,818
−HK$1,016/mo
▼ 0.25% · 3.875%
HK$19,322
−HK$512/mo
Today · 4.125%
HK$19,834
baseline
▲ 0.50% · 4.625%
HK$20,880
+HK$1,046/mo
Deposit HK$1.59M · loan HK$3.71M · min. income ≈ HK$39,668/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,748
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$22,424
−HK$687/mo
Today · 4.125%
HK$23,111
baseline
▲ 0.50% · 4.625%
HK$24,518
+HK$1,407/mo
Deposit HK$530K · loan HK$4.77M · min. income ≈ HK$46,222/mo (50% DSR)
Upfront cash ≈ HK$649K (deposit + AVD stamp duty HK$119,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,194
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$24,843
−HK$658/mo
Today · 4.125%
HK$25,501
baseline
▲ 0.50% · 4.625%
HK$26,845
+HK$1,344/mo
Deposit HK$530K · loan HK$4.77M · min. income ≈ HK$51,002/mo (50% DSR)
Upfront cash ≈ HK$649K (deposit + AVD stamp duty HK$119,218 · 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).