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$12,077
−HK$757/mo
▼ 0.25% · 3.875%
HK$12,453
−HK$381/mo
Today · 4.125%
HK$12,834
baseline
▲ 0.50% · 4.625%
HK$13,615
+HK$781/mo
Deposit HK$2.65M · loan HK$2.65M · min. income ≈ HK$25,668/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$119,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,436
−HK$726/mo
▼ 0.25% · 3.875%
HK$13,796
−HK$366/mo
Today · 4.125%
HK$14,162
baseline
▲ 0.50% · 4.625%
HK$14,908
+HK$746/mo
Deposit HK$2.65M · loan HK$2.65M · min. income ≈ HK$28,324/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$119,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,493
−HK$908/mo
▼ 0.25% · 3.875%
HK$14,943
−HK$458/mo
Today · 4.125%
HK$15,401
baseline
▲ 0.50% · 4.625%
HK$16,338
+HK$937/mo
Deposit HK$2.12M · loan HK$3.18M · min. income ≈ HK$30,802/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,123
−HK$871/mo
▼ 0.25% · 3.875%
HK$16,555
−HK$439/mo
Today · 4.125%
HK$16,994
baseline
▲ 0.50% · 4.625%
HK$17,890
+HK$896/mo
Deposit HK$2.12M · loan HK$3.18M · min. income ≈ HK$33,988/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,908
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$17,434
−HK$534/mo
Today · 4.125%
HK$17,968
baseline
▲ 0.50% · 4.625%
HK$19,062
+HK$1,094/mo
Deposit HK$1.59M · loan HK$3.71M · min. income ≈ HK$35,936/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,810
−HK$1,016/mo
▼ 0.25% · 3.875%
HK$19,314
−HK$512/mo
Today · 4.125%
HK$19,826
baseline
▲ 0.50% · 4.625%
HK$20,871
+HK$1,045/mo
Deposit HK$1.59M · loan HK$3.71M · min. income ≈ HK$39,652/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,739
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$22,415
−HK$687/mo
Today · 4.125%
HK$23,102
baseline
▲ 0.50% · 4.625%
HK$24,508
+HK$1,406/mo
Deposit HK$530K · loan HK$4.77M · min. income ≈ HK$46,204/mo (50% DSR)
Upfront cash ≈ HK$649K (deposit + AVD stamp duty HK$119,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,184
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$24,833
−HK$658/mo
Today · 4.125%
HK$25,491
baseline
▲ 0.50% · 4.625%
HK$26,834
+HK$1,343/mo
Deposit HK$530K · loan HK$4.77M · min. income ≈ HK$50,982/mo (50% DSR)
Upfront cash ≈ HK$649K (deposit + AVD stamp duty HK$119,169 · 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).