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$12,003
−HK$752/mo
▼ 0.25% · 3.875%
HK$12,376
−HK$379/mo
Today · 4.125%
HK$12,755
baseline
▲ 0.50% · 4.625%
HK$13,532
+HK$777/mo
Deposit HK$2.63M · loan HK$2.63M · min. income ≈ HK$25,510/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$118,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,353
−HK$721/mo
▼ 0.25% · 3.875%
HK$13,711
−HK$363/mo
Today · 4.125%
HK$14,074
baseline
▲ 0.50% · 4.625%
HK$14,816
+HK$742/mo
Deposit HK$2.63M · loan HK$2.63M · min. income ≈ HK$28,148/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$118,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,403
−HK$903/mo
▼ 0.25% · 3.875%
HK$14,851
−HK$455/mo
Today · 4.125%
HK$15,306
baseline
▲ 0.50% · 4.625%
HK$16,238
+HK$932/mo
Deposit HK$2.11M · loan HK$3.16M · min. income ≈ HK$30,612/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$118,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,023
−HK$866/mo
▼ 0.25% · 3.875%
HK$16,453
−HK$436/mo
Today · 4.125%
HK$16,889
baseline
▲ 0.50% · 4.625%
HK$17,779
+HK$890/mo
Deposit HK$2.11M · loan HK$3.16M · min. income ≈ HK$33,778/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$118,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,804
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$17,326
−HK$532/mo
Today · 4.125%
HK$17,858
baseline
▲ 0.50% · 4.625%
HK$18,944
+HK$1,086/mo
Deposit HK$1.58M · loan HK$3.68M · min. income ≈ HK$35,716/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,694
−HK$1,010/mo
▼ 0.25% · 3.875%
HK$19,195
−HK$509/mo
Today · 4.125%
HK$19,704
baseline
▲ 0.50% · 4.625%
HK$20,743
+HK$1,039/mo
Deposit HK$1.58M · loan HK$3.68M · min. income ≈ HK$39,408/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,605
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$22,277
−HK$683/mo
Today · 4.125%
HK$22,960
baseline
▲ 0.50% · 4.625%
HK$24,357
+HK$1,397/mo
Deposit HK$526K · loan HK$4.74M · min. income ≈ HK$45,920/mo (50% DSR)
Upfront cash ≈ HK$645K (deposit + AVD stamp duty HK$118,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,035
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$24,680
−HK$654/mo
Today · 4.125%
HK$25,334
baseline
▲ 0.50% · 4.625%
HK$26,669
+HK$1,335/mo
Deposit HK$526K · loan HK$4.74M · min. income ≈ HK$50,668/mo (50% DSR)
Upfront cash ≈ HK$645K (deposit + AVD stamp duty HK$118,435 · 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).