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$12,080
−HK$757/mo
▼ 0.25% · 3.875%
HK$12,456
−HK$381/mo
Today · 4.125%
HK$12,837
baseline
▲ 0.50% · 4.625%
HK$13,619
+HK$782/mo
Deposit HK$2.65M · loan HK$2.65M · min. income ≈ HK$25,674/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$119,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,439
−HK$726/mo
▼ 0.25% · 3.875%
HK$13,799
−HK$366/mo
Today · 4.125%
HK$14,165
baseline
▲ 0.50% · 4.625%
HK$14,912
+HK$747/mo
Deposit HK$2.65M · loan HK$2.65M · min. income ≈ HK$28,330/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$119,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,496
−HK$909/mo
▼ 0.25% · 3.875%
HK$14,947
−HK$458/mo
Today · 4.125%
HK$15,405
baseline
▲ 0.50% · 4.625%
HK$16,342
+HK$937/mo
Deposit HK$2.12M · loan HK$3.18M · min. income ≈ HK$30,810/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,127
−HK$871/mo
▼ 0.25% · 3.875%
HK$16,559
−HK$439/mo
Today · 4.125%
HK$16,998
baseline
▲ 0.50% · 4.625%
HK$17,894
+HK$896/mo
Deposit HK$2.12M · loan HK$3.18M · min. income ≈ HK$33,996/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,912
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$17,438
−HK$534/mo
Today · 4.125%
HK$17,972
baseline
▲ 0.50% · 4.625%
HK$19,066
+HK$1,094/mo
Deposit HK$1.59M · loan HK$3.71M · min. income ≈ HK$35,944/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,814
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$19,319
−HK$512/mo
Today · 4.125%
HK$19,831
baseline
▲ 0.50% · 4.625%
HK$20,876
+HK$1,045/mo
Deposit HK$1.59M · loan HK$3.71M · min. income ≈ HK$39,662/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,744
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$22,420
−HK$687/mo
Today · 4.125%
HK$23,107
baseline
▲ 0.50% · 4.625%
HK$24,513
+HK$1,406/mo
Deposit HK$530K · loan HK$4.77M · min. income ≈ HK$46,214/mo (50% DSR)
Upfront cash ≈ HK$649K (deposit + AVD stamp duty HK$119,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,190
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$24,839
−HK$658/mo
Today · 4.125%
HK$25,497
baseline
▲ 0.50% · 4.625%
HK$26,841
+HK$1,344/mo
Deposit HK$530K · loan HK$4.77M · min. income ≈ HK$50,994/mo (50% DSR)
Upfront cash ≈ HK$649K (deposit + AVD stamp duty HK$119,197 · 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).