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$12,387
−HK$380/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$118,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,365
−HK$722/mo
▼ 0.25% · 3.875%
HK$13,723
−HK$364/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$118,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,416
−HK$904/mo
▼ 0.25% · 3.875%
HK$14,865
−HK$455/mo
Today · 4.125%
HK$15,320
baseline
▲ 0.50% · 4.625%
HK$16,252
+HK$932/mo
Deposit HK$2.11M · loan HK$3.16M · min. income ≈ HK$30,640/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,038
−HK$866/mo
▼ 0.25% · 3.875%
HK$16,468
−HK$436/mo
Today · 4.125%
HK$16,904
baseline
▲ 0.50% · 4.625%
HK$17,795
+HK$891/mo
Deposit HK$2.11M · loan HK$3.16M · min. income ≈ HK$33,808/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,819
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$17,342
−HK$532/mo
Today · 4.125%
HK$17,874
baseline
▲ 0.50% · 4.625%
HK$18,961
+HK$1,087/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$118,542 · 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$20,761
+HK$1,039/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$118,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,624
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$22,297
−HK$683/mo
Today · 4.125%
HK$22,980
baseline
▲ 0.50% · 4.625%
HK$24,379
+HK$1,399/mo
Deposit HK$527K · loan HK$4.74M · min. income ≈ HK$45,960/mo (50% DSR)
Upfront cash ≈ HK$645K (deposit + AVD stamp duty HK$118,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,057
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$24,702
−HK$655/mo
Today · 4.125%
HK$25,357
baseline
▲ 0.50% · 4.625%
HK$26,693
+HK$1,336/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$118,542 · 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).