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$12,041
−HK$755/mo
▼ 0.25% · 3.875%
HK$12,415
−HK$381/mo
Today · 4.125%
HK$12,796
baseline
▲ 0.50% · 4.625%
HK$13,574
+HK$778/mo
Deposit HK$2.64M · loan HK$2.64M · min. income ≈ HK$25,592/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$118,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,395
−HK$724/mo
▼ 0.25% · 3.875%
HK$13,754
−HK$365/mo
Today · 4.125%
HK$14,119
baseline
▲ 0.50% · 4.625%
HK$14,863
+HK$744/mo
Deposit HK$2.64M · loan HK$2.64M · min. income ≈ HK$28,238/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$118,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,449
−HK$906/mo
▼ 0.25% · 3.875%
HK$14,898
−HK$457/mo
Today · 4.125%
HK$15,355
baseline
▲ 0.50% · 4.625%
HK$16,289
+HK$934/mo
Deposit HK$2.11M · loan HK$3.17M · min. income ≈ HK$30,710/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,074
−HK$869/mo
▼ 0.25% · 3.875%
HK$16,505
−HK$438/mo
Today · 4.125%
HK$16,943
baseline
▲ 0.50% · 4.625%
HK$17,836
+HK$893/mo
Deposit HK$2.11M · loan HK$3.17M · min. income ≈ HK$33,886/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,857
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$17,381
−HK$533/mo
Today · 4.125%
HK$17,914
baseline
▲ 0.50% · 4.625%
HK$19,004
+HK$1,090/mo
Deposit HK$1.58M · loan HK$3.70M · min. income ≈ HK$35,828/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,753
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$19,256
−HK$510/mo
Today · 4.125%
HK$19,766
baseline
▲ 0.50% · 4.625%
HK$20,808
+HK$1,042/mo
Deposit HK$1.58M · loan HK$3.70M · min. income ≈ HK$39,532/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,673
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$22,348
−HK$684/mo
Today · 4.125%
HK$23,032
baseline
▲ 0.50% · 4.625%
HK$24,434
+HK$1,402/mo
Deposit HK$528K · loan HK$4.75M · min. income ≈ HK$46,064/mo (50% DSR)
Upfront cash ≈ HK$647K (deposit + AVD stamp duty HK$118,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,111
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$24,758
−HK$656/mo
Today · 4.125%
HK$25,414
baseline
▲ 0.50% · 4.625%
HK$26,754
+HK$1,340/mo
Deposit HK$528K · loan HK$4.75M · min. income ≈ HK$50,828/mo (50% DSR)
Upfront cash ≈ HK$647K (deposit + AVD stamp duty HK$118,810 · 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).