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$12,033
−HK$754/mo
▼ 0.25% · 3.875%
HK$12,407
−HK$380/mo
Today · 4.125%
HK$12,787
baseline
▲ 0.50% · 4.625%
HK$13,565
+HK$778/mo
Deposit HK$2.64M · loan HK$2.64M · min. income ≈ HK$25,574/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$118,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,386
−HK$724/mo
▼ 0.25% · 3.875%
HK$13,745
−HK$365/mo
Today · 4.125%
HK$14,110
baseline
▲ 0.50% · 4.625%
HK$14,853
+HK$743/mo
Deposit HK$2.64M · loan HK$2.64M · min. income ≈ HK$28,220/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$118,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,439
−HK$906/mo
▼ 0.25% · 3.875%
HK$14,888
−HK$457/mo
Today · 4.125%
HK$15,345
baseline
▲ 0.50% · 4.625%
HK$16,278
+HK$933/mo
Deposit HK$2.11M · loan HK$3.17M · min. income ≈ HK$30,690/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,064
−HK$867/mo
▼ 0.25% · 3.875%
HK$16,494
−HK$437/mo
Today · 4.125%
HK$16,931
baseline
▲ 0.50% · 4.625%
HK$17,824
+HK$893/mo
Deposit HK$2.11M · loan HK$3.17M · min. income ≈ HK$33,862/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,846
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$17,370
−HK$532/mo
Today · 4.125%
HK$17,902
baseline
▲ 0.50% · 4.625%
HK$18,992
+HK$1,090/mo
Deposit HK$1.58M · loan HK$3.69M · min. income ≈ HK$35,804/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,741
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$19,243
−HK$510/mo
Today · 4.125%
HK$19,753
baseline
▲ 0.50% · 4.625%
HK$20,795
+HK$1,042/mo
Deposit HK$1.58M · loan HK$3.69M · min. income ≈ HK$39,506/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,659
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$22,333
−HK$684/mo
Today · 4.125%
HK$23,017
baseline
▲ 0.50% · 4.625%
HK$24,418
+HK$1,401/mo
Deposit HK$528K · loan HK$4.75M · min. income ≈ HK$46,034/mo (50% DSR)
Upfront cash ≈ HK$646K (deposit + AVD stamp duty HK$118,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,095
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$24,742
−HK$655/mo
Today · 4.125%
HK$25,397
baseline
▲ 0.50% · 4.625%
HK$26,736
+HK$1,339/mo
Deposit HK$528K · loan HK$4.75M · min. income ≈ HK$50,794/mo (50% DSR)
Upfront cash ≈ HK$646K (deposit + AVD stamp duty HK$118,731 · 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).