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$12,012
−HK$753/mo
▼ 0.25% · 3.875%
HK$12,385
−HK$380/mo
Today · 4.125%
HK$12,765
baseline
▲ 0.50% · 4.625%
HK$13,542
+HK$777/mo
Deposit HK$2.63M · loan HK$2.63M · min. income ≈ HK$25,530/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$118,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,363
−HK$722/mo
▼ 0.25% · 3.875%
HK$13,721
−HK$364/mo
Today · 4.125%
HK$14,085
baseline
▲ 0.50% · 4.625%
HK$14,827
+HK$742/mo
Deposit HK$2.63M · loan HK$2.63M · min. income ≈ HK$28,170/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$118,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,414
−HK$904/mo
▼ 0.25% · 3.875%
HK$14,862
−HK$456/mo
Today · 4.125%
HK$15,318
baseline
▲ 0.50% · 4.625%
HK$16,250
+HK$932/mo
Deposit HK$2.11M · loan HK$3.16M · min. income ≈ HK$30,636/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,036
−HK$866/mo
▼ 0.25% · 3.875%
HK$16,466
−HK$436/mo
Today · 4.125%
HK$16,902
baseline
▲ 0.50% · 4.625%
HK$17,793
+HK$891/mo
Deposit HK$2.11M · loan HK$3.16M · min. income ≈ HK$33,804/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,816
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$17,340
−HK$531/mo
Today · 4.125%
HK$17,871
baseline
▲ 0.50% · 4.625%
HK$18,958
+HK$1,087/mo
Deposit HK$1.58M · loan HK$3.69M · min. income ≈ HK$35,742/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,708
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$19,210
−HK$509/mo
Today · 4.125%
HK$19,719
baseline
▲ 0.50% · 4.625%
HK$20,758
+HK$1,039/mo
Deposit HK$1.58M · loan HK$3.69M · min. income ≈ HK$39,438/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,621
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$22,294
−HK$683/mo
Today · 4.125%
HK$22,977
baseline
▲ 0.50% · 4.625%
HK$24,375
+HK$1,398/mo
Deposit HK$527K · loan HK$4.74M · min. income ≈ HK$45,954/mo (50% DSR)
Upfront cash ≈ HK$645K (deposit + AVD stamp duty HK$118,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,053
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$24,698
−HK$655/mo
Today · 4.125%
HK$25,353
baseline
▲ 0.50% · 4.625%
HK$26,689
+HK$1,336/mo
Deposit HK$527K · loan HK$4.74M · min. income ≈ HK$50,706/mo (50% DSR)
Upfront cash ≈ HK$645K (deposit + AVD stamp duty HK$118,524 · 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).