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$12,107
−HK$760/mo
▼ 0.25% · 3.875%
HK$12,484
−HK$383/mo
Today · 4.125%
HK$12,867
baseline
▲ 0.50% · 4.625%
HK$13,650
+HK$783/mo
Deposit HK$2.65M · loan HK$2.65M · min. income ≈ HK$25,734/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$119,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,469
−HK$728/mo
▼ 0.25% · 3.875%
HK$13,831
−HK$366/mo
Today · 4.125%
HK$14,197
baseline
▲ 0.50% · 4.625%
HK$14,945
+HK$748/mo
Deposit HK$2.65M · loan HK$2.65M · min. income ≈ HK$28,394/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$119,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,529
−HK$911/mo
▼ 0.25% · 3.875%
HK$14,981
−HK$459/mo
Today · 4.125%
HK$15,440
baseline
▲ 0.50% · 4.625%
HK$16,379
+HK$939/mo
Deposit HK$2.12M · loan HK$3.19M · min. income ≈ HK$30,880/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,163
−HK$873/mo
▼ 0.25% · 3.875%
HK$16,597
−HK$439/mo
Today · 4.125%
HK$17,036
baseline
▲ 0.50% · 4.625%
HK$17,934
+HK$898/mo
Deposit HK$2.12M · loan HK$3.19M · min. income ≈ HK$34,072/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,950
−HK$1,063/mo
▼ 0.25% · 3.875%
HK$17,478
−HK$535/mo
Today · 4.125%
HK$18,013
baseline
▲ 0.50% · 4.625%
HK$19,109
+HK$1,096/mo
Deposit HK$1.59M · loan HK$3.72M · min. income ≈ HK$36,026/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,857
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$19,363
−HK$513/mo
Today · 4.125%
HK$19,876
baseline
▲ 0.50% · 4.625%
HK$20,924
+HK$1,048/mo
Deposit HK$1.59M · loan HK$3.72M · min. income ≈ HK$39,752/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,793
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$22,471
−HK$689/mo
Today · 4.125%
HK$23,160
baseline
▲ 0.50% · 4.625%
HK$24,569
+HK$1,409/mo
Deposit HK$531K · loan HK$4.78M · min. income ≈ HK$46,320/mo (50% DSR)
Upfront cash ≈ HK$650K (deposit + AVD stamp duty HK$119,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,245
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$24,895
−HK$660/mo
Today · 4.125%
HK$25,555
baseline
▲ 0.50% · 4.625%
HK$26,902
+HK$1,347/mo
Deposit HK$531K · loan HK$4.78M · min. income ≈ HK$51,110/mo (50% DSR)
Upfront cash ≈ HK$650K (deposit + AVD stamp duty HK$119,468 · 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).