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$12,014
−HK$753/mo
▼ 0.25% · 3.875%
HK$12,388
−HK$379/mo
Today · 4.125%
HK$12,767
baseline
▲ 0.50% · 4.625%
HK$13,544
+HK$777/mo
Deposit HK$2.63M · loan HK$2.63M · min. income ≈ HK$25,534/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$118,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,365
−HK$722/mo
▼ 0.25% · 3.875%
HK$13,724
−HK$363/mo
Today · 4.125%
HK$14,087
baseline
▲ 0.50% · 4.625%
HK$14,830
+HK$743/mo
Deposit HK$2.63M · loan HK$2.63M · min. income ≈ HK$28,174/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$118,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,417
−HK$904/mo
▼ 0.25% · 3.875%
HK$14,865
−HK$456/mo
Today · 4.125%
HK$15,321
baseline
▲ 0.50% · 4.625%
HK$16,253
+HK$932/mo
Deposit HK$2.11M · loan HK$3.16M · min. income ≈ HK$30,642/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,038
−HK$867/mo
▼ 0.25% · 3.875%
HK$16,468
−HK$437/mo
Today · 4.125%
HK$16,905
baseline
▲ 0.50% · 4.625%
HK$17,796
+HK$891/mo
Deposit HK$2.11M · loan HK$3.16M · min. income ≈ HK$33,810/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,819
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$17,343
−HK$531/mo
Today · 4.125%
HK$17,874
baseline
▲ 0.50% · 4.625%
HK$18,962
+HK$1,088/mo
Deposit HK$1.58M · loan HK$3.69M · min. income ≈ HK$35,748/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,711
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$19,213
−HK$509/mo
Today · 4.125%
HK$19,722
baseline
▲ 0.50% · 4.625%
HK$20,762
+HK$1,040/mo
Deposit HK$1.58M · loan HK$3.69M · min. income ≈ HK$39,444/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,625
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$22,298
−HK$683/mo
Today · 4.125%
HK$22,981
baseline
▲ 0.50% · 4.625%
HK$24,379
+HK$1,398/mo
Deposit HK$527K · loan HK$4.74M · min. income ≈ HK$45,962/mo (50% DSR)
Upfront cash ≈ HK$645K (deposit + AVD stamp duty HK$118,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,058
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$24,703
−HK$654/mo
Today · 4.125%
HK$25,357
baseline
▲ 0.50% · 4.625%
HK$26,694
+HK$1,337/mo
Deposit HK$527K · loan HK$4.74M · min. income ≈ HK$50,714/mo (50% DSR)
Upfront cash ≈ HK$645K (deposit + AVD stamp duty HK$118,545 · 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).