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$12,051
−HK$756/mo
▼ 0.25% · 3.875%
HK$12,426
−HK$381/mo
Today · 4.125%
HK$12,807
baseline
▲ 0.50% · 4.625%
HK$13,586
+HK$779/mo
Deposit HK$2.64M · loan HK$2.64M · min. income ≈ HK$25,614/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$118,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,406
−HK$725/mo
▼ 0.25% · 3.875%
HK$13,766
−HK$365/mo
Today · 4.125%
HK$14,131
baseline
▲ 0.50% · 4.625%
HK$14,876
+HK$745/mo
Deposit HK$2.64M · loan HK$2.64M · min. income ≈ HK$28,262/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$118,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,461
−HK$907/mo
▼ 0.25% · 3.875%
HK$14,911
−HK$457/mo
Today · 4.125%
HK$15,368
baseline
▲ 0.50% · 4.625%
HK$16,303
+HK$935/mo
Deposit HK$2.11M · loan HK$3.17M · min. income ≈ HK$30,736/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,088
−HK$869/mo
▼ 0.25% · 3.875%
HK$16,519
−HK$438/mo
Today · 4.125%
HK$16,957
baseline
▲ 0.50% · 4.625%
HK$17,851
+HK$894/mo
Deposit HK$2.11M · loan HK$3.17M · min. income ≈ HK$33,914/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,871
−HK$1,058/mo
▼ 0.25% · 3.875%
HK$17,396
−HK$533/mo
Today · 4.125%
HK$17,929
baseline
▲ 0.50% · 4.625%
HK$19,020
+HK$1,091/mo
Deposit HK$1.59M · loan HK$3.70M · min. income ≈ HK$35,858/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,769
−HK$1,014/mo
▼ 0.25% · 3.875%
HK$19,272
−HK$511/mo
Today · 4.125%
HK$19,783
baseline
▲ 0.50% · 4.625%
HK$20,826
+HK$1,043/mo
Deposit HK$1.59M · loan HK$3.70M · min. income ≈ HK$39,566/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,692
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$22,366
−HK$686/mo
Today · 4.125%
HK$23,052
baseline
▲ 0.50% · 4.625%
HK$24,454
+HK$1,402/mo
Deposit HK$528K · loan HK$4.76M · min. income ≈ HK$46,104/mo (50% DSR)
Upfront cash ≈ HK$647K (deposit + AVD stamp duty HK$118,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,132
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$24,779
−HK$656/mo
Today · 4.125%
HK$25,435
baseline
▲ 0.50% · 4.625%
HK$26,776
+HK$1,341/mo
Deposit HK$528K · loan HK$4.76M · min. income ≈ HK$50,870/mo (50% DSR)
Upfront cash ≈ HK$647K (deposit + AVD stamp duty HK$118,910 · 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).