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$12,076
−HK$757/mo
▼ 0.25% · 3.875%
HK$12,452
−HK$381/mo
Today · 4.125%
HK$12,833
baseline
▲ 0.50% · 4.625%
HK$13,614
+HK$781/mo
Deposit HK$2.65M · loan HK$2.65M · min. income ≈ HK$25,666/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$119,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,434
−HK$726/mo
▼ 0.25% · 3.875%
HK$13,795
−HK$365/mo
Today · 4.125%
HK$14,160
baseline
▲ 0.50% · 4.625%
HK$14,907
+HK$747/mo
Deposit HK$2.65M · loan HK$2.65M · min. income ≈ HK$28,320/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$119,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,491
−HK$909/mo
▼ 0.25% · 3.875%
HK$14,942
−HK$458/mo
Today · 4.125%
HK$15,400
baseline
▲ 0.50% · 4.625%
HK$16,337
+HK$937/mo
Deposit HK$2.12M · loan HK$3.18M · min. income ≈ HK$30,800/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,121
−HK$871/mo
▼ 0.25% · 3.875%
HK$16,554
−HK$438/mo
Today · 4.125%
HK$16,992
baseline
▲ 0.50% · 4.625%
HK$17,888
+HK$896/mo
Deposit HK$2.12M · loan HK$3.18M · min. income ≈ HK$33,984/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,906
−HK$1,061/mo
▼ 0.25% · 3.875%
HK$17,432
−HK$535/mo
Today · 4.125%
HK$17,967
baseline
▲ 0.50% · 4.625%
HK$19,060
+HK$1,093/mo
Deposit HK$1.59M · loan HK$3.71M · min. income ≈ HK$35,934/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,808
−HK$1,016/mo
▼ 0.25% · 3.875%
HK$19,313
−HK$511/mo
Today · 4.125%
HK$19,824
baseline
▲ 0.50% · 4.625%
HK$20,869
+HK$1,045/mo
Deposit HK$1.59M · loan HK$3.71M · min. income ≈ HK$39,648/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,737
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$22,413
−HK$687/mo
Today · 4.125%
HK$23,100
baseline
▲ 0.50% · 4.625%
HK$24,505
+HK$1,405/mo
Deposit HK$530K · loan HK$4.77M · min. income ≈ HK$46,200/mo (50% DSR)
Upfront cash ≈ HK$649K (deposit + AVD stamp duty HK$119,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,182
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$24,831
−HK$657/mo
Today · 4.125%
HK$25,488
baseline
▲ 0.50% · 4.625%
HK$26,832
+HK$1,344/mo
Deposit HK$530K · loan HK$4.77M · min. income ≈ HK$50,976/mo (50% DSR)
Upfront cash ≈ HK$649K (deposit + AVD stamp duty HK$119,158 · 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).