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$12,114
−HK$760/mo
▼ 0.25% · 3.875%
HK$12,491
−HK$383/mo
Today · 4.125%
HK$12,874
baseline
▲ 0.50% · 4.625%
HK$13,657
+HK$783/mo
Deposit HK$2.66M · loan HK$2.66M · min. income ≈ HK$25,748/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$119,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,477
−HK$728/mo
▼ 0.25% · 3.875%
HK$13,839
−HK$366/mo
Today · 4.125%
HK$14,205
baseline
▲ 0.50% · 4.625%
HK$14,954
+HK$749/mo
Deposit HK$2.66M · loan HK$2.66M · min. income ≈ HK$28,410/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$119,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,537
−HK$912/mo
▼ 0.25% · 3.875%
HK$14,989
−HK$460/mo
Today · 4.125%
HK$15,449
baseline
▲ 0.50% · 4.625%
HK$16,389
+HK$940/mo
Deposit HK$2.13M · loan HK$3.19M · min. income ≈ HK$30,898/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,173
−HK$873/mo
▼ 0.25% · 3.875%
HK$16,606
−HK$440/mo
Today · 4.125%
HK$17,046
baseline
▲ 0.50% · 4.625%
HK$17,945
+HK$899/mo
Deposit HK$2.13M · loan HK$3.19M · min. income ≈ HK$34,092/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,960
−HK$1,064/mo
▼ 0.25% · 3.875%
HK$17,488
−HK$536/mo
Today · 4.125%
HK$18,024
baseline
▲ 0.50% · 4.625%
HK$19,120
+HK$1,096/mo
Deposit HK$1.59M · loan HK$3.72M · min. income ≈ HK$36,048/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,868
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$19,374
−HK$513/mo
Today · 4.125%
HK$19,887
baseline
▲ 0.50% · 4.625%
HK$20,936
+HK$1,049/mo
Deposit HK$1.59M · loan HK$3.72M · min. income ≈ HK$39,774/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,806
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$22,484
−HK$689/mo
Today · 4.125%
HK$23,173
baseline
▲ 0.50% · 4.625%
HK$24,583
+HK$1,410/mo
Deposit HK$531K · loan HK$4.78M · min. income ≈ HK$46,346/mo (50% DSR)
Upfront cash ≈ HK$651K (deposit + AVD stamp duty HK$119,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,259
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$24,909
−HK$660/mo
Today · 4.125%
HK$25,569
baseline
▲ 0.50% · 4.625%
HK$26,917
+HK$1,348/mo
Deposit HK$531K · loan HK$4.78M · min. income ≈ HK$51,138/mo (50% DSR)
Upfront cash ≈ HK$651K (deposit + AVD stamp duty HK$119,537 · 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).