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$12,118
−HK$760/mo
▼ 0.25% · 3.875%
HK$12,495
−HK$383/mo
Today · 4.125%
HK$12,878
baseline
▲ 0.50% · 4.625%
HK$13,661
+HK$783/mo
Deposit HK$2.66M · loan HK$2.66M · min. income ≈ HK$25,756/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$119,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,481
−HK$728/mo
▼ 0.25% · 3.875%
HK$13,842
−HK$367/mo
Today · 4.125%
HK$14,209
baseline
▲ 0.50% · 4.625%
HK$14,958
+HK$749/mo
Deposit HK$2.66M · loan HK$2.66M · min. income ≈ HK$28,418/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$119,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,541
−HK$912/mo
▼ 0.25% · 3.875%
HK$14,994
−HK$459/mo
Today · 4.125%
HK$15,453
baseline
▲ 0.50% · 4.625%
HK$16,393
+HK$940/mo
Deposit HK$2.13M · loan HK$3.19M · min. income ≈ HK$30,906/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$119,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,177
−HK$874/mo
▼ 0.25% · 3.875%
HK$16,611
−HK$440/mo
Today · 4.125%
HK$17,051
baseline
▲ 0.50% · 4.625%
HK$17,950
+HK$899/mo
Deposit HK$2.13M · loan HK$3.19M · min. income ≈ HK$34,102/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$119,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,965
−HK$1,064/mo
▼ 0.25% · 3.875%
HK$17,492
−HK$537/mo
Today · 4.125%
HK$18,029
baseline
▲ 0.50% · 4.625%
HK$19,126
+HK$1,097/mo
Deposit HK$1.59M · loan HK$3.72M · min. income ≈ HK$36,058/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,873
−HK$1,020/mo
▼ 0.25% · 3.875%
HK$19,379
−HK$514/mo
Today · 4.125%
HK$19,893
baseline
▲ 0.50% · 4.625%
HK$20,941
+HK$1,048/mo
Deposit HK$1.59M · loan HK$3.72M · min. income ≈ HK$39,786/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,812
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$22,490
−HK$690/mo
Today · 4.125%
HK$23,180
baseline
▲ 0.50% · 4.625%
HK$24,590
+HK$1,410/mo
Deposit HK$531K · loan HK$4.78M · min. income ≈ HK$46,360/mo (50% DSR)
Upfront cash ≈ HK$651K (deposit + AVD stamp duty HK$119,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,265
−HK$1,311/mo
▼ 0.25% · 3.875%
HK$24,916
−HK$660/mo
Today · 4.125%
HK$25,576
baseline
▲ 0.50% · 4.625%
HK$26,925
+HK$1,349/mo
Deposit HK$531K · loan HK$4.78M · min. income ≈ HK$51,152/mo (50% DSR)
Upfront cash ≈ HK$651K (deposit + AVD stamp duty HK$119,569 · 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).