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$12,027
−HK$754/mo
▼ 0.25% · 3.875%
HK$12,401
−HK$380/mo
Today · 4.125%
HK$12,781
baseline
▲ 0.50% · 4.625%
HK$13,559
+HK$778/mo
Deposit HK$2.64M · loan HK$2.64M · min. income ≈ HK$25,562/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$118,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,380
−HK$723/mo
▼ 0.25% · 3.875%
HK$13,739
−HK$364/mo
Today · 4.125%
HK$14,103
baseline
▲ 0.50% · 4.625%
HK$14,846
+HK$743/mo
Deposit HK$2.64M · loan HK$2.64M · min. income ≈ HK$28,206/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$118,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,432
−HK$905/mo
▼ 0.25% · 3.875%
HK$14,881
−HK$456/mo
Today · 4.125%
HK$15,337
baseline
▲ 0.50% · 4.625%
HK$16,270
+HK$933/mo
Deposit HK$2.11M · loan HK$3.16M · min. income ≈ HK$30,674/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,056
−HK$867/mo
▼ 0.25% · 3.875%
HK$16,486
−HK$437/mo
Today · 4.125%
HK$16,923
baseline
▲ 0.50% · 4.625%
HK$17,815
+HK$892/mo
Deposit HK$2.11M · loan HK$3.16M · min. income ≈ HK$33,846/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,838
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$17,361
−HK$532/mo
Today · 4.125%
HK$17,893
baseline
▲ 0.50% · 4.625%
HK$18,982
+HK$1,089/mo
Deposit HK$1.58M · loan HK$3.69M · min. income ≈ HK$35,786/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,732
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$19,234
−HK$510/mo
Today · 4.125%
HK$19,744
baseline
▲ 0.50% · 4.625%
HK$20,784
+HK$1,040/mo
Deposit HK$1.58M · loan HK$3.69M · min. income ≈ HK$39,488/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,648
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$22,322
−HK$684/mo
Today · 4.125%
HK$23,006
baseline
▲ 0.50% · 4.625%
HK$24,406
+HK$1,400/mo
Deposit HK$527K · loan HK$4.75M · min. income ≈ HK$46,012/mo (50% DSR)
Upfront cash ≈ HK$646K (deposit + AVD stamp duty HK$118,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,083
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$24,729
−HK$656/mo
Today · 4.125%
HK$25,385
baseline
▲ 0.50% · 4.625%
HK$26,723
+HK$1,338/mo
Deposit HK$527K · loan HK$4.75M · min. income ≈ HK$50,770/mo (50% DSR)
Upfront cash ≈ HK$646K (deposit + AVD stamp duty HK$118,673 · 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).