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$12,078
−HK$758/mo
▼ 0.25% · 3.875%
HK$12,454
−HK$382/mo
Today · 4.125%
HK$12,836
baseline
▲ 0.50% · 4.625%
HK$13,617
+HK$781/mo
Deposit HK$2.65M · loan HK$2.65M · min. income ≈ HK$25,672/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$119,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,437
−HK$726/mo
▼ 0.25% · 3.875%
HK$13,797
−HK$366/mo
Today · 4.125%
HK$14,163
baseline
▲ 0.50% · 4.625%
HK$14,909
+HK$746/mo
Deposit HK$2.65M · loan HK$2.65M · min. income ≈ HK$28,326/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$119,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,494
−HK$909/mo
▼ 0.25% · 3.875%
HK$14,945
−HK$458/mo
Today · 4.125%
HK$15,403
baseline
▲ 0.50% · 4.625%
HK$16,340
+HK$937/mo
Deposit HK$2.12M · loan HK$3.18M · min. income ≈ HK$30,806/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,124
−HK$872/mo
▼ 0.25% · 3.875%
HK$16,557
−HK$439/mo
Today · 4.125%
HK$16,996
baseline
▲ 0.50% · 4.625%
HK$17,891
+HK$895/mo
Deposit HK$2.12M · loan HK$3.18M · min. income ≈ HK$33,992/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,910
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$17,436
−HK$534/mo
Today · 4.125%
HK$17,970
baseline
▲ 0.50% · 4.625%
HK$19,063
+HK$1,093/mo
Deposit HK$1.59M · loan HK$3.71M · min. income ≈ HK$35,940/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,812
−HK$1,016/mo
▼ 0.25% · 3.875%
HK$19,316
−HK$512/mo
Today · 4.125%
HK$19,828
baseline
▲ 0.50% · 4.625%
HK$20,873
+HK$1,045/mo
Deposit HK$1.59M · loan HK$3.71M · min. income ≈ HK$39,656/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,741
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$22,417
−HK$687/mo
Today · 4.125%
HK$23,104
baseline
▲ 0.50% · 4.625%
HK$24,510
+HK$1,406/mo
Deposit HK$530K · loan HK$4.77M · min. income ≈ HK$46,208/mo (50% DSR)
Upfront cash ≈ HK$649K (deposit + AVD stamp duty HK$119,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,187
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$24,835
−HK$658/mo
Today · 4.125%
HK$25,493
baseline
▲ 0.50% · 4.625%
HK$26,837
+HK$1,344/mo
Deposit HK$530K · loan HK$4.77M · min. income ≈ HK$50,986/mo (50% DSR)
Upfront cash ≈ HK$649K (deposit + AVD stamp duty HK$119,181 · 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).