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$12,077
−HK$758/mo
▼ 0.25% · 3.875%
HK$12,453
−HK$382/mo
Today · 4.125%
HK$12,835
baseline
▲ 0.50% · 4.625%
HK$13,616
+HK$781/mo
Deposit HK$2.65M · loan HK$2.65M · min. income ≈ HK$25,670/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$119,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,436
−HK$726/mo
▼ 0.25% · 3.875%
HK$13,796
−HK$366/mo
Today · 4.125%
HK$14,162
baseline
▲ 0.50% · 4.625%
HK$14,908
+HK$746/mo
Deposit HK$2.65M · loan HK$2.65M · min. income ≈ HK$28,324/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$119,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,493
−HK$909/mo
▼ 0.25% · 3.875%
HK$14,944
−HK$458/mo
Today · 4.125%
HK$15,402
baseline
▲ 0.50% · 4.625%
HK$16,339
+HK$937/mo
Deposit HK$2.12M · loan HK$3.18M · min. income ≈ HK$30,804/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,123
−HK$871/mo
▼ 0.25% · 3.875%
HK$16,556
−HK$438/mo
Today · 4.125%
HK$16,994
baseline
▲ 0.50% · 4.625%
HK$17,890
+HK$896/mo
Deposit HK$2.12M · loan HK$3.18M · min. income ≈ HK$33,988/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,908
−HK$1,061/mo
▼ 0.25% · 3.875%
HK$17,434
−HK$535/mo
Today · 4.125%
HK$17,969
baseline
▲ 0.50% · 4.625%
HK$19,062
+HK$1,093/mo
Deposit HK$1.59M · loan HK$3.71M · min. income ≈ HK$35,938/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,810
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$19,315
−HK$512/mo
Today · 4.125%
HK$19,827
baseline
▲ 0.50% · 4.625%
HK$20,872
+HK$1,045/mo
Deposit HK$1.59M · loan HK$3.71M · min. income ≈ HK$39,654/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,739
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$22,416
−HK$687/mo
Today · 4.125%
HK$23,103
baseline
▲ 0.50% · 4.625%
HK$24,508
+HK$1,405/mo
Deposit HK$530K · loan HK$4.77M · min. income ≈ HK$46,206/mo (50% DSR)
Upfront cash ≈ HK$649K (deposit + AVD stamp duty HK$119,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,185
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$24,833
−HK$658/mo
Today · 4.125%
HK$25,491
baseline
▲ 0.50% · 4.625%
HK$26,835
+HK$1,344/mo
Deposit HK$530K · loan HK$4.77M · min. income ≈ HK$50,982/mo (50% DSR)
Upfront cash ≈ HK$649K (deposit + AVD stamp duty HK$119,172 · 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).