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$12,075
−HK$757/mo
▼ 0.25% · 3.875%
HK$12,450
−HK$382/mo
Today · 4.125%
HK$12,832
baseline
▲ 0.50% · 4.625%
HK$13,613
+HK$781/mo
Deposit HK$2.65M · loan HK$2.65M · min. income ≈ HK$25,664/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$119,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,433
−HK$726/mo
▼ 0.25% · 3.875%
HK$13,793
−HK$366/mo
Today · 4.125%
HK$14,159
baseline
▲ 0.50% · 4.625%
HK$14,905
+HK$746/mo
Deposit HK$2.65M · loan HK$2.65M · min. income ≈ HK$28,318/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$119,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,490
−HK$908/mo
▼ 0.25% · 3.875%
HK$14,940
−HK$458/mo
Today · 4.125%
HK$15,398
baseline
▲ 0.50% · 4.625%
HK$16,335
+HK$937/mo
Deposit HK$2.12M · loan HK$3.18M · min. income ≈ HK$30,796/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,119
−HK$871/mo
▼ 0.25% · 3.875%
HK$16,552
−HK$438/mo
Today · 4.125%
HK$16,990
baseline
▲ 0.50% · 4.625%
HK$17,886
+HK$896/mo
Deposit HK$2.12M · loan HK$3.18M · min. income ≈ HK$33,980/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,904
−HK$1,061/mo
▼ 0.25% · 3.875%
HK$17,430
−HK$535/mo
Today · 4.125%
HK$17,965
baseline
▲ 0.50% · 4.625%
HK$19,058
+HK$1,093/mo
Deposit HK$1.59M · loan HK$3.71M · min. income ≈ HK$35,930/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,806
−HK$1,016/mo
▼ 0.25% · 3.875%
HK$19,310
−HK$512/mo
Today · 4.125%
HK$19,822
baseline
▲ 0.50% · 4.625%
HK$20,867
+HK$1,045/mo
Deposit HK$1.59M · loan HK$3.71M · min. income ≈ HK$39,644/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,734
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$22,410
−HK$687/mo
Today · 4.125%
HK$23,097
baseline
▲ 0.50% · 4.625%
HK$24,503
+HK$1,406/mo
Deposit HK$530K · loan HK$4.77M · min. income ≈ HK$46,194/mo (50% DSR)
Upfront cash ≈ HK$649K (deposit + AVD stamp duty HK$119,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,179
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$24,828
−HK$658/mo
Today · 4.125%
HK$25,486
baseline
▲ 0.50% · 4.625%
HK$26,829
+HK$1,343/mo
Deposit HK$530K · loan HK$4.77M · min. income ≈ HK$50,972/mo (50% DSR)
Upfront cash ≈ HK$649K (deposit + AVD stamp duty HK$119,144 · 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).