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$12,091
−HK$759/mo
▼ 0.25% · 3.875%
HK$12,468
−HK$382/mo
Today · 4.125%
HK$12,850
baseline
▲ 0.50% · 4.625%
HK$13,632
+HK$782/mo
Deposit HK$2.65M · loan HK$2.65M · min. income ≈ HK$25,700/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$119,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,452
−HK$726/mo
▼ 0.25% · 3.875%
HK$13,812
−HK$366/mo
Today · 4.125%
HK$14,178
baseline
▲ 0.50% · 4.625%
HK$14,926
+HK$748/mo
Deposit HK$2.65M · loan HK$2.65M · min. income ≈ HK$28,356/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$119,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,510
−HK$910/mo
▼ 0.25% · 3.875%
HK$14,961
−HK$459/mo
Today · 4.125%
HK$15,420
baseline
▲ 0.50% · 4.625%
HK$16,358
+HK$938/mo
Deposit HK$2.12M · loan HK$3.18M · min. income ≈ HK$30,840/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,142
−HK$872/mo
▼ 0.25% · 3.875%
HK$16,575
−HK$439/mo
Today · 4.125%
HK$17,014
baseline
▲ 0.50% · 4.625%
HK$17,911
+HK$897/mo
Deposit HK$2.12M · loan HK$3.18M · min. income ≈ HK$34,028/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,928
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$17,455
−HK$535/mo
Today · 4.125%
HK$17,990
baseline
▲ 0.50% · 4.625%
HK$19,084
+HK$1,094/mo
Deposit HK$1.59M · loan HK$3.71M · min. income ≈ HK$35,980/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,832
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$19,337
−HK$513/mo
Today · 4.125%
HK$19,850
baseline
▲ 0.50% · 4.625%
HK$20,896
+HK$1,046/mo
Deposit HK$1.59M · loan HK$3.71M · min. income ≈ HK$39,700/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,765
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$22,442
−HK$687/mo
Today · 4.125%
HK$23,129
baseline
▲ 0.50% · 4.625%
HK$24,537
+HK$1,408/mo
Deposit HK$530K · loan HK$4.77M · min. income ≈ HK$46,258/mo (50% DSR)
Upfront cash ≈ HK$650K (deposit + AVD stamp duty HK$119,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,213
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$24,862
−HK$659/mo
Today · 4.125%
HK$25,521
baseline
▲ 0.50% · 4.625%
HK$26,866
+HK$1,345/mo
Deposit HK$530K · loan HK$4.77M · min. income ≈ HK$51,042/mo (50% DSR)
Upfront cash ≈ HK$650K (deposit + AVD stamp duty HK$119,310 · 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).