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$12,113
−HK$760/mo
▼ 0.25% · 3.875%
HK$12,490
−HK$383/mo
Today · 4.125%
HK$12,873
baseline
▲ 0.50% · 4.625%
HK$13,656
+HK$783/mo
Deposit HK$2.66M · loan HK$2.66M · min. income ≈ HK$25,746/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$119,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,476
−HK$728/mo
▼ 0.25% · 3.875%
HK$13,837
−HK$367/mo
Today · 4.125%
HK$14,204
baseline
▲ 0.50% · 4.625%
HK$14,952
+HK$748/mo
Deposit HK$2.66M · loan HK$2.66M · min. income ≈ HK$28,408/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$119,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,536
−HK$911/mo
▼ 0.25% · 3.875%
HK$14,988
−HK$459/mo
Today · 4.125%
HK$15,447
baseline
▲ 0.50% · 4.625%
HK$16,387
+HK$940/mo
Deposit HK$2.12M · loan HK$3.19M · min. income ≈ HK$30,894/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,171
−HK$873/mo
▼ 0.25% · 3.875%
HK$16,605
−HK$439/mo
Today · 4.125%
HK$17,044
baseline
▲ 0.50% · 4.625%
HK$17,943
+HK$899/mo
Deposit HK$2.12M · loan HK$3.19M · min. income ≈ HK$34,088/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,958
−HK$1,064/mo
▼ 0.25% · 3.875%
HK$17,486
−HK$536/mo
Today · 4.125%
HK$18,022
baseline
▲ 0.50% · 4.625%
HK$19,118
+HK$1,096/mo
Deposit HK$1.59M · loan HK$3.72M · min. income ≈ HK$36,044/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,866
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$19,372
−HK$513/mo
Today · 4.125%
HK$19,885
baseline
▲ 0.50% · 4.625%
HK$20,933
+HK$1,048/mo
Deposit HK$1.59M · loan HK$3.72M · min. income ≈ HK$39,770/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,804
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$22,482
−HK$689/mo
Today · 4.125%
HK$23,171
baseline
▲ 0.50% · 4.625%
HK$24,581
+HK$1,410/mo
Deposit HK$531K · loan HK$4.78M · min. income ≈ HK$46,342/mo (50% DSR)
Upfront cash ≈ HK$651K (deposit + AVD stamp duty HK$119,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,256
−HK$1,311/mo
▼ 0.25% · 3.875%
HK$24,907
−HK$660/mo
Today · 4.125%
HK$25,567
baseline
▲ 0.50% · 4.625%
HK$26,914
+HK$1,347/mo
Deposit HK$531K · loan HK$4.78M · min. income ≈ HK$51,134/mo (50% DSR)
Upfront cash ≈ HK$651K (deposit + AVD stamp duty HK$119,524 · 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).