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$12,084
−HK$757/mo
▼ 0.25% · 3.875%
HK$12,459
−HK$382/mo
Today · 4.125%
HK$12,841
baseline
▲ 0.50% · 4.625%
HK$13,623
+HK$782/mo
Deposit HK$2.65M · loan HK$2.65M · min. income ≈ HK$25,682/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$119,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,443
−HK$726/mo
▼ 0.25% · 3.875%
HK$13,803
−HK$366/mo
Today · 4.125%
HK$14,169
baseline
▲ 0.50% · 4.625%
HK$14,916
+HK$747/mo
Deposit HK$2.65M · loan HK$2.65M · min. income ≈ HK$28,338/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$119,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,500
−HK$910/mo
▼ 0.25% · 3.875%
HK$14,951
−HK$459/mo
Today · 4.125%
HK$15,410
baseline
▲ 0.50% · 4.625%
HK$16,347
+HK$937/mo
Deposit HK$2.12M · loan HK$3.18M · min. income ≈ HK$30,820/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,131
−HK$872/mo
▼ 0.25% · 3.875%
HK$16,564
−HK$439/mo
Today · 4.125%
HK$17,003
baseline
▲ 0.50% · 4.625%
HK$17,899
+HK$896/mo
Deposit HK$2.12M · loan HK$3.18M · min. income ≈ HK$34,006/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,917
−HK$1,061/mo
▼ 0.25% · 3.875%
HK$17,443
−HK$535/mo
Today · 4.125%
HK$17,978
baseline
▲ 0.50% · 4.625%
HK$19,072
+HK$1,094/mo
Deposit HK$1.59M · loan HK$3.71M · min. income ≈ HK$35,956/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,820
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$19,325
−HK$512/mo
Today · 4.125%
HK$19,837
baseline
▲ 0.50% · 4.625%
HK$20,882
+HK$1,045/mo
Deposit HK$1.59M · loan HK$3.71M · min. income ≈ HK$39,674/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,751
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$22,427
−HK$687/mo
Today · 4.125%
HK$23,114
baseline
▲ 0.50% · 4.625%
HK$24,521
+HK$1,407/mo
Deposit HK$530K · loan HK$4.77M · min. income ≈ HK$46,228/mo (50% DSR)
Upfront cash ≈ HK$649K (deposit + AVD stamp duty HK$119,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,197
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$24,846
−HK$659/mo
Today · 4.125%
HK$25,505
baseline
▲ 0.50% · 4.625%
HK$26,849
+HK$1,344/mo
Deposit HK$530K · loan HK$4.77M · min. income ≈ HK$51,010/mo (50% DSR)
Upfront cash ≈ HK$649K (deposit + AVD stamp duty HK$119,233 · 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).