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$12,063
−HK$756/mo
▼ 0.25% · 3.875%
HK$12,438
−HK$381/mo
Today · 4.125%
HK$12,819
baseline
▲ 0.50% · 4.625%
HK$13,599
+HK$780/mo
Deposit HK$2.65M · loan HK$2.65M · min. income ≈ HK$25,638/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$119,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,420
−HK$725/mo
▼ 0.25% · 3.875%
HK$13,780
−HK$365/mo
Today · 4.125%
HK$14,145
baseline
▲ 0.50% · 4.625%
HK$14,890
+HK$745/mo
Deposit HK$2.65M · loan HK$2.65M · min. income ≈ HK$28,290/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$119,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,475
−HK$908/mo
▼ 0.25% · 3.875%
HK$14,925
−HK$458/mo
Today · 4.125%
HK$15,383
baseline
▲ 0.50% · 4.625%
HK$16,319
+HK$936/mo
Deposit HK$2.12M · loan HK$3.17M · min. income ≈ HK$30,766/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,104
−HK$870/mo
▼ 0.25% · 3.875%
HK$16,535
−HK$439/mo
Today · 4.125%
HK$16,974
baseline
▲ 0.50% · 4.625%
HK$17,868
+HK$894/mo
Deposit HK$2.12M · loan HK$3.17M · min. income ≈ HK$33,948/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,888
−HK$1,059/mo
▼ 0.25% · 3.875%
HK$17,413
−HK$534/mo
Today · 4.125%
HK$17,947
baseline
▲ 0.50% · 4.625%
HK$19,039
+HK$1,092/mo
Deposit HK$1.59M · loan HK$3.70M · min. income ≈ HK$35,894/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,787
−HK$1,016/mo
▼ 0.25% · 3.875%
HK$19,291
−HK$512/mo
Today · 4.125%
HK$19,803
baseline
▲ 0.50% · 4.625%
HK$20,846
+HK$1,043/mo
Deposit HK$1.59M · loan HK$3.70M · min. income ≈ HK$39,606/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,713
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$22,388
−HK$686/mo
Today · 4.125%
HK$23,074
baseline
▲ 0.50% · 4.625%
HK$24,478
+HK$1,404/mo
Deposit HK$529K · loan HK$4.76M · min. income ≈ HK$46,148/mo (50% DSR)
Upfront cash ≈ HK$648K (deposit + AVD stamp duty HK$119,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,155
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$24,803
−HK$657/mo
Today · 4.125%
HK$25,460
baseline
▲ 0.50% · 4.625%
HK$26,802
+HK$1,342/mo
Deposit HK$529K · loan HK$4.76M · min. income ≈ HK$50,920/mo (50% DSR)
Upfront cash ≈ HK$648K (deposit + AVD stamp duty HK$119,027 · 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).