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$12,073
−HK$757/mo
▼ 0.25% · 3.875%
HK$12,449
−HK$381/mo
Today · 4.125%
HK$12,830
baseline
▲ 0.50% · 4.625%
HK$13,611
+HK$781/mo
Deposit HK$2.65M · loan HK$2.65M · min. income ≈ HK$25,660/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$119,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,432
−HK$725/mo
▼ 0.25% · 3.875%
HK$13,792
−HK$365/mo
Today · 4.125%
HK$14,157
baseline
▲ 0.50% · 4.625%
HK$14,903
+HK$746/mo
Deposit HK$2.65M · loan HK$2.65M · min. income ≈ HK$28,314/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$119,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,488
−HK$909/mo
▼ 0.25% · 3.875%
HK$14,939
−HK$458/mo
Today · 4.125%
HK$15,397
baseline
▲ 0.50% · 4.625%
HK$16,333
+HK$936/mo
Deposit HK$2.12M · loan HK$3.18M · min. income ≈ HK$30,794/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,118
−HK$871/mo
▼ 0.25% · 3.875%
HK$16,550
−HK$439/mo
Today · 4.125%
HK$16,989
baseline
▲ 0.50% · 4.625%
HK$17,884
+HK$895/mo
Deposit HK$2.12M · loan HK$3.18M · min. income ≈ HK$33,978/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,903
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$17,428
−HK$535/mo
Today · 4.125%
HK$17,963
baseline
▲ 0.50% · 4.625%
HK$19,056
+HK$1,093/mo
Deposit HK$1.59M · loan HK$3.71M · min. income ≈ HK$35,926/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,804
−HK$1,016/mo
▼ 0.25% · 3.875%
HK$19,308
−HK$512/mo
Today · 4.125%
HK$19,820
baseline
▲ 0.50% · 4.625%
HK$20,865
+HK$1,045/mo
Deposit HK$1.59M · loan HK$3.71M · min. income ≈ HK$39,640/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,732
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$22,408
−HK$687/mo
Today · 4.125%
HK$23,095
baseline
▲ 0.50% · 4.625%
HK$24,500
+HK$1,405/mo
Deposit HK$529K · loan HK$4.77M · min. income ≈ HK$46,190/mo (50% DSR)
Upfront cash ≈ HK$649K (deposit + AVD stamp duty HK$119,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,177
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$24,825
−HK$658/mo
Today · 4.125%
HK$25,483
baseline
▲ 0.50% · 4.625%
HK$26,826
+HK$1,343/mo
Deposit HK$529K · loan HK$4.77M · min. income ≈ HK$50,966/mo (50% DSR)
Upfront cash ≈ HK$649K (deposit + AVD stamp duty HK$119,132 · 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).