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$12,095
−HK$759/mo
▼ 0.25% · 3.875%
HK$12,472
−HK$382/mo
Today · 4.125%
HK$12,854
baseline
▲ 0.50% · 4.625%
HK$13,636
+HK$782/mo
Deposit HK$2.65M · loan HK$2.65M · min. income ≈ HK$25,708/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$119,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,456
−HK$727/mo
▼ 0.25% · 3.875%
HK$13,817
−HK$366/mo
Today · 4.125%
HK$14,183
baseline
▲ 0.50% · 4.625%
HK$14,931
+HK$748/mo
Deposit HK$2.65M · loan HK$2.65M · min. income ≈ HK$28,366/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$119,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,514
−HK$911/mo
▼ 0.25% · 3.875%
HK$14,966
−HK$459/mo
Today · 4.125%
HK$15,425
baseline
▲ 0.50% · 4.625%
HK$16,363
+HK$938/mo
Deposit HK$2.12M · loan HK$3.18M · min. income ≈ HK$30,850/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,147
−HK$872/mo
▼ 0.25% · 3.875%
HK$16,580
−HK$439/mo
Today · 4.125%
HK$17,019
baseline
▲ 0.50% · 4.625%
HK$17,917
+HK$898/mo
Deposit HK$2.12M · loan HK$3.18M · min. income ≈ HK$34,038/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,933
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$17,460
−HK$535/mo
Today · 4.125%
HK$17,995
baseline
▲ 0.50% · 4.625%
HK$19,090
+HK$1,095/mo
Deposit HK$1.59M · loan HK$3.71M · min. income ≈ HK$35,990/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,838
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$19,344
−HK$512/mo
Today · 4.125%
HK$19,856
baseline
▲ 0.50% · 4.625%
HK$20,903
+HK$1,047/mo
Deposit HK$1.59M · loan HK$3.71M · min. income ≈ HK$39,712/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,772
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$22,449
−HK$688/mo
Today · 4.125%
HK$23,137
baseline
▲ 0.50% · 4.625%
HK$24,545
+HK$1,408/mo
Deposit HK$530K · loan HK$4.77M · min. income ≈ HK$46,274/mo (50% DSR)
Upfront cash ≈ HK$650K (deposit + AVD stamp duty HK$119,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,221
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$24,870
−HK$659/mo
Today · 4.125%
HK$25,529
baseline
▲ 0.50% · 4.625%
HK$26,875
+HK$1,346/mo
Deposit HK$530K · loan HK$4.77M · min. income ≈ HK$51,058/mo (50% DSR)
Upfront cash ≈ HK$650K (deposit + AVD stamp duty HK$119,349 · 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).