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$12,057
−HK$756/mo
▼ 0.25% · 3.875%
HK$12,432
−HK$381/mo
Today · 4.125%
HK$12,813
baseline
▲ 0.50% · 4.625%
HK$13,593
+HK$780/mo
Deposit HK$2.64M · loan HK$2.64M · min. income ≈ HK$25,626/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$118,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,413
−HK$725/mo
▼ 0.25% · 3.875%
HK$13,773
−HK$365/mo
Today · 4.125%
HK$14,138
baseline
▲ 0.50% · 4.625%
HK$14,883
+HK$745/mo
Deposit HK$2.64M · loan HK$2.64M · min. income ≈ HK$28,276/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$118,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,468
−HK$908/mo
▼ 0.25% · 3.875%
HK$14,918
−HK$458/mo
Today · 4.125%
HK$15,376
baseline
▲ 0.50% · 4.625%
HK$16,311
+HK$935/mo
Deposit HK$2.12M · loan HK$3.17M · min. income ≈ HK$30,752/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,096
−HK$869/mo
▼ 0.25% · 3.875%
HK$16,527
−HK$438/mo
Today · 4.125%
HK$16,965
baseline
▲ 0.50% · 4.625%
HK$17,860
+HK$895/mo
Deposit HK$2.12M · loan HK$3.17M · min. income ≈ HK$33,930/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,880
−HK$1,058/mo
▼ 0.25% · 3.875%
HK$17,405
−HK$533/mo
Today · 4.125%
HK$17,938
baseline
▲ 0.50% · 4.625%
HK$19,030
+HK$1,092/mo
Deposit HK$1.59M · loan HK$3.70M · min. income ≈ HK$35,876/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$118,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,778
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$19,282
−HK$511/mo
Today · 4.125%
HK$19,793
baseline
▲ 0.50% · 4.625%
HK$20,836
+HK$1,043/mo
Deposit HK$1.59M · loan HK$3.70M · min. income ≈ HK$39,586/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$118,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,702
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$22,377
−HK$686/mo
Today · 4.125%
HK$23,063
baseline
▲ 0.50% · 4.625%
HK$24,467
+HK$1,404/mo
Deposit HK$529K · loan HK$4.76M · min. income ≈ HK$46,126/mo (50% DSR)
Upfront cash ≈ HK$648K (deposit + AVD stamp duty HK$118,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,144
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$24,791
−HK$657/mo
Today · 4.125%
HK$25,448
baseline
▲ 0.50% · 4.625%
HK$26,790
+HK$1,342/mo
Deposit HK$529K · loan HK$4.76M · min. income ≈ HK$50,896/mo (50% DSR)
Upfront cash ≈ HK$648K (deposit + AVD stamp duty HK$118,970 · 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).