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$12,071
−HK$757/mo
▼ 0.25% · 3.875%
HK$12,447
−HK$381/mo
Today · 4.125%
HK$12,828
baseline
▲ 0.50% · 4.625%
HK$13,609
+HK$781/mo
Deposit HK$2.65M · loan HK$2.65M · min. income ≈ HK$25,656/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$119,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,429
−HK$725/mo
▼ 0.25% · 3.875%
HK$13,789
−HK$365/mo
Today · 4.125%
HK$14,154
baseline
▲ 0.50% · 4.625%
HK$14,901
+HK$747/mo
Deposit HK$2.65M · loan HK$2.65M · min. income ≈ HK$28,308/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$119,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,485
−HK$909/mo
▼ 0.25% · 3.875%
HK$14,936
−HK$458/mo
Today · 4.125%
HK$15,394
baseline
▲ 0.50% · 4.625%
HK$16,330
+HK$936/mo
Deposit HK$2.12M · loan HK$3.18M · min. income ≈ HK$30,788/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,115
−HK$870/mo
▼ 0.25% · 3.875%
HK$16,547
−HK$438/mo
Today · 4.125%
HK$16,985
baseline
▲ 0.50% · 4.625%
HK$17,881
+HK$896/mo
Deposit HK$2.12M · loan HK$3.18M · min. income ≈ HK$33,970/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,899
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$17,425
−HK$534/mo
Today · 4.125%
HK$17,959
baseline
▲ 0.50% · 4.625%
HK$19,052
+HK$1,093/mo
Deposit HK$1.59M · loan HK$3.71M · min. income ≈ HK$35,918/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,801
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$19,305
−HK$511/mo
Today · 4.125%
HK$19,816
baseline
▲ 0.50% · 4.625%
HK$20,861
+HK$1,045/mo
Deposit HK$1.59M · loan HK$3.71M · min. income ≈ HK$39,632/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,728
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$22,404
−HK$686/mo
Today · 4.125%
HK$23,090
baseline
▲ 0.50% · 4.625%
HK$24,495
+HK$1,405/mo
Deposit HK$529K · loan HK$4.76M · min. income ≈ HK$46,180/mo (50% DSR)
Upfront cash ≈ HK$648K (deposit + AVD stamp duty HK$119,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,172
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$24,820
−HK$658/mo
Today · 4.125%
HK$25,478
baseline
▲ 0.50% · 4.625%
HK$26,821
+HK$1,343/mo
Deposit HK$529K · loan HK$4.76M · min. income ≈ HK$50,956/mo (50% DSR)
Upfront cash ≈ HK$648K (deposit + AVD stamp duty HK$119,109 · 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).