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$12,019
−HK$754/mo
▼ 0.25% · 3.875%
HK$12,393
−HK$380/mo
Today · 4.125%
HK$12,773
baseline
▲ 0.50% · 4.625%
HK$13,550
+HK$777/mo
Deposit HK$2.64M · loan HK$2.64M · min. income ≈ HK$25,546/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$118,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,371
−HK$723/mo
▼ 0.25% · 3.875%
HK$13,730
−HK$364/mo
Today · 4.125%
HK$14,094
baseline
▲ 0.50% · 4.625%
HK$14,837
+HK$743/mo
Deposit HK$2.64M · loan HK$2.64M · min. income ≈ HK$28,188/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$118,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,423
−HK$905/mo
▼ 0.25% · 3.875%
HK$14,872
−HK$456/mo
Today · 4.125%
HK$15,328
baseline
▲ 0.50% · 4.625%
HK$16,260
+HK$932/mo
Deposit HK$2.11M · loan HK$3.16M · min. income ≈ HK$30,656/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,046
−HK$867/mo
▼ 0.25% · 3.875%
HK$16,476
−HK$437/mo
Today · 4.125%
HK$16,913
baseline
▲ 0.50% · 4.625%
HK$17,804
+HK$891/mo
Deposit HK$2.11M · loan HK$3.16M · min. income ≈ HK$33,826/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,827
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$17,350
−HK$532/mo
Today · 4.125%
HK$17,882
baseline
▲ 0.50% · 4.625%
HK$18,970
+HK$1,088/mo
Deposit HK$1.58M · loan HK$3.69M · min. income ≈ HK$35,764/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,720
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$19,222
−HK$509/mo
Today · 4.125%
HK$19,731
baseline
▲ 0.50% · 4.625%
HK$20,771
+HK$1,040/mo
Deposit HK$1.58M · loan HK$3.69M · min. income ≈ HK$39,462/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,635
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$22,308
−HK$683/mo
Today · 4.125%
HK$22,991
baseline
▲ 0.50% · 4.625%
HK$24,390
+HK$1,399/mo
Deposit HK$527K · loan HK$4.74M · min. income ≈ HK$45,982/mo (50% DSR)
Upfront cash ≈ HK$646K (deposit + AVD stamp duty HK$118,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,068
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$24,714
−HK$655/mo
Today · 4.125%
HK$25,369
baseline
▲ 0.50% · 4.625%
HK$26,706
+HK$1,337/mo
Deposit HK$527K · loan HK$4.74M · min. income ≈ HK$50,738/mo (50% DSR)
Upfront cash ≈ HK$646K (deposit + AVD stamp duty HK$118,599 · 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).