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$12,041
−HK$755/mo
▼ 0.25% · 3.875%
HK$12,416
−HK$380/mo
Today · 4.125%
HK$12,796
baseline
▲ 0.50% · 4.625%
HK$13,575
+HK$779/mo
Deposit HK$2.64M · loan HK$2.64M · min. income ≈ HK$25,592/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$118,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,396
−HK$724/mo
▼ 0.25% · 3.875%
HK$13,755
−HK$365/mo
Today · 4.125%
HK$14,120
baseline
▲ 0.50% · 4.625%
HK$14,864
+HK$744/mo
Deposit HK$2.64M · loan HK$2.64M · min. income ≈ HK$28,240/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$118,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,450
−HK$906/mo
▼ 0.25% · 3.875%
HK$14,899
−HK$457/mo
Today · 4.125%
HK$15,356
baseline
▲ 0.50% · 4.625%
HK$16,290
+HK$934/mo
Deposit HK$2.11M · loan HK$3.17M · min. income ≈ HK$30,712/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,075
−HK$868/mo
▼ 0.25% · 3.875%
HK$16,506
−HK$437/mo
Today · 4.125%
HK$16,943
baseline
▲ 0.50% · 4.625%
HK$17,837
+HK$894/mo
Deposit HK$2.11M · loan HK$3.17M · min. income ≈ HK$33,886/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,858
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$17,382
−HK$533/mo
Today · 4.125%
HK$17,915
baseline
▲ 0.50% · 4.625%
HK$19,005
+HK$1,090/mo
Deposit HK$1.58M · loan HK$3.70M · min. income ≈ HK$35,830/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,754
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$19,257
−HK$510/mo
Today · 4.125%
HK$19,767
baseline
▲ 0.50% · 4.625%
HK$20,809
+HK$1,042/mo
Deposit HK$1.58M · loan HK$3.70M · min. income ≈ HK$39,534/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,674
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$22,349
−HK$685/mo
Today · 4.125%
HK$23,034
baseline
▲ 0.50% · 4.625%
HK$24,435
+HK$1,401/mo
Deposit HK$528K · loan HK$4.75M · min. income ≈ HK$46,068/mo (50% DSR)
Upfront cash ≈ HK$647K (deposit + AVD stamp duty HK$118,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,113
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$24,759
−HK$656/mo
Today · 4.125%
HK$25,415
baseline
▲ 0.50% · 4.625%
HK$26,755
+HK$1,340/mo
Deposit HK$528K · loan HK$4.75M · min. income ≈ HK$50,830/mo (50% DSR)
Upfront cash ≈ HK$647K (deposit + AVD stamp duty HK$118,816 · 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).