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$12,092
−HK$759/mo
▼ 0.25% · 3.875%
HK$12,468
−HK$383/mo
Today · 4.125%
HK$12,851
baseline
▲ 0.50% · 4.625%
HK$13,633
+HK$782/mo
Deposit HK$2.65M · loan HK$2.65M · min. income ≈ HK$25,702/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$119,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,453
−HK$726/mo
▼ 0.25% · 3.875%
HK$13,813
−HK$366/mo
Today · 4.125%
HK$14,179
baseline
▲ 0.50% · 4.625%
HK$14,927
+HK$748/mo
Deposit HK$2.65M · loan HK$2.65M · min. income ≈ HK$28,358/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$119,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,511
−HK$910/mo
▼ 0.25% · 3.875%
HK$14,962
−HK$459/mo
Today · 4.125%
HK$15,421
baseline
▲ 0.50% · 4.625%
HK$16,359
+HK$938/mo
Deposit HK$2.12M · loan HK$3.18M · min. income ≈ HK$30,842/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,143
−HK$872/mo
▼ 0.25% · 3.875%
HK$16,576
−HK$439/mo
Today · 4.125%
HK$17,015
baseline
▲ 0.50% · 4.625%
HK$17,912
+HK$897/mo
Deposit HK$2.12M · loan HK$3.18M · min. income ≈ HK$34,030/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,929
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$17,456
−HK$535/mo
Today · 4.125%
HK$17,991
baseline
▲ 0.50% · 4.625%
HK$19,086
+HK$1,095/mo
Deposit HK$1.59M · loan HK$3.71M · min. income ≈ HK$35,982/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,834
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$19,339
−HK$512/mo
Today · 4.125%
HK$19,851
baseline
▲ 0.50% · 4.625%
HK$20,897
+HK$1,046/mo
Deposit HK$1.59M · loan HK$3.71M · min. income ≈ HK$39,702/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,766
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$22,443
−HK$688/mo
Today · 4.125%
HK$23,131
baseline
▲ 0.50% · 4.625%
HK$24,539
+HK$1,408/mo
Deposit HK$530K · loan HK$4.77M · min. income ≈ HK$46,262/mo (50% DSR)
Upfront cash ≈ HK$650K (deposit + AVD stamp duty HK$119,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,215
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$24,864
−HK$659/mo
Today · 4.125%
HK$25,523
baseline
▲ 0.50% · 4.625%
HK$26,868
+HK$1,345/mo
Deposit HK$530K · loan HK$4.77M · min. income ≈ HK$51,046/mo (50% DSR)
Upfront cash ≈ HK$650K (deposit + AVD stamp duty HK$119,319 · 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).