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$12,066
−HK$756/mo
▼ 0.25% · 3.875%
HK$12,441
−HK$381/mo
Today · 4.125%
HK$12,822
baseline
▲ 0.50% · 4.625%
HK$13,603
+HK$781/mo
Deposit HK$2.65M · loan HK$2.65M · min. income ≈ HK$25,644/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$119,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,423
−HK$725/mo
▼ 0.25% · 3.875%
HK$13,783
−HK$365/mo
Today · 4.125%
HK$14,148
baseline
▲ 0.50% · 4.625%
HK$14,894
+HK$746/mo
Deposit HK$2.65M · loan HK$2.65M · min. income ≈ HK$28,296/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$119,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,479
−HK$908/mo
▼ 0.25% · 3.875%
HK$14,929
−HK$458/mo
Today · 4.125%
HK$15,387
baseline
▲ 0.50% · 4.625%
HK$16,323
+HK$936/mo
Deposit HK$2.12M · loan HK$3.17M · min. income ≈ HK$30,774/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,108
−HK$870/mo
▼ 0.25% · 3.875%
HK$16,540
−HK$438/mo
Today · 4.125%
HK$16,978
baseline
▲ 0.50% · 4.625%
HK$17,873
+HK$895/mo
Deposit HK$2.12M · loan HK$3.17M · min. income ≈ HK$33,956/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,892
−HK$1,059/mo
▼ 0.25% · 3.875%
HK$17,417
−HK$534/mo
Today · 4.125%
HK$17,951
baseline
▲ 0.50% · 4.625%
HK$19,044
+HK$1,093/mo
Deposit HK$1.59M · loan HK$3.70M · min. income ≈ HK$35,902/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,792
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$19,296
−HK$511/mo
Today · 4.125%
HK$19,807
baseline
▲ 0.50% · 4.625%
HK$20,851
+HK$1,044/mo
Deposit HK$1.59M · loan HK$3.70M · min. income ≈ HK$39,614/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,718
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$22,394
−HK$686/mo
Today · 4.125%
HK$23,080
baseline
▲ 0.50% · 4.625%
HK$24,485
+HK$1,405/mo
Deposit HK$529K · loan HK$4.76M · min. income ≈ HK$46,160/mo (50% DSR)
Upfront cash ≈ HK$648K (deposit + AVD stamp duty HK$119,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,161
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$24,809
−HK$658/mo
Today · 4.125%
HK$25,467
baseline
▲ 0.50% · 4.625%
HK$26,809
+HK$1,342/mo
Deposit HK$529K · loan HK$4.76M · min. income ≈ HK$50,934/mo (50% DSR)
Upfront cash ≈ HK$648K (deposit + AVD stamp duty HK$119,056 · 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).