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$12,002
−HK$752/mo
▼ 0.25% · 3.875%
HK$12,375
−HK$379/mo
Today · 4.125%
HK$12,754
baseline
▲ 0.50% · 4.625%
HK$13,530
+HK$776/mo
Deposit HK$2.63M · loan HK$2.63M · min. income ≈ HK$25,508/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$118,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,352
−HK$721/mo
▼ 0.25% · 3.875%
HK$13,710
−HK$363/mo
Today · 4.125%
HK$14,073
baseline
▲ 0.50% · 4.625%
HK$14,815
+HK$742/mo
Deposit HK$2.63M · loan HK$2.63M · min. income ≈ HK$28,146/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$118,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,402
−HK$903/mo
▼ 0.25% · 3.875%
HK$14,850
−HK$455/mo
Today · 4.125%
HK$15,305
baseline
▲ 0.50% · 4.625%
HK$16,236
+HK$931/mo
Deposit HK$2.11M · loan HK$3.16M · min. income ≈ HK$30,610/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$118,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,022
−HK$866/mo
▼ 0.25% · 3.875%
HK$16,452
−HK$436/mo
Today · 4.125%
HK$16,888
baseline
▲ 0.50% · 4.625%
HK$17,778
+HK$890/mo
Deposit HK$2.11M · loan HK$3.16M · min. income ≈ HK$33,776/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$118,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,802
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$17,325
−HK$531/mo
Today · 4.125%
HK$17,856
baseline
▲ 0.50% · 4.625%
HK$18,942
+HK$1,086/mo
Deposit HK$1.58M · loan HK$3.68M · min. income ≈ HK$35,712/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,692
−HK$1,010/mo
▼ 0.25% · 3.875%
HK$19,194
−HK$508/mo
Today · 4.125%
HK$19,702
baseline
▲ 0.50% · 4.625%
HK$20,741
+HK$1,039/mo
Deposit HK$1.58M · loan HK$3.68M · min. income ≈ HK$39,404/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,603
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$22,275
−HK$683/mo
Today · 4.125%
HK$22,958
baseline
▲ 0.50% · 4.625%
HK$24,355
+HK$1,397/mo
Deposit HK$526K · loan HK$4.74M · min. income ≈ HK$45,916/mo (50% DSR)
Upfront cash ≈ HK$645K (deposit + AVD stamp duty HK$118,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,033
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$24,678
−HK$654/mo
Today · 4.125%
HK$25,332
baseline
▲ 0.50% · 4.625%
HK$26,667
+HK$1,335/mo
Deposit HK$526K · loan HK$4.74M · min. income ≈ HK$50,664/mo (50% DSR)
Upfront cash ≈ HK$645K (deposit + AVD stamp duty HK$118,425 · 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).