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$12,090
−HK$758/mo
▼ 0.25% · 3.875%
HK$12,466
−HK$382/mo
Today · 4.125%
HK$12,848
baseline
▲ 0.50% · 4.625%
HK$13,630
+HK$782/mo
Deposit HK$2.65M · loan HK$2.65M · min. income ≈ HK$25,696/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$119,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,450
−HK$727/mo
▼ 0.25% · 3.875%
HK$13,811
−HK$366/mo
Today · 4.125%
HK$14,177
baseline
▲ 0.50% · 4.625%
HK$14,924
+HK$747/mo
Deposit HK$2.65M · loan HK$2.65M · min. income ≈ HK$28,354/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$119,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,508
−HK$910/mo
▼ 0.25% · 3.875%
HK$14,959
−HK$459/mo
Today · 4.125%
HK$15,418
baseline
▲ 0.50% · 4.625%
HK$16,356
+HK$938/mo
Deposit HK$2.12M · loan HK$3.18M · min. income ≈ HK$30,836/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,140
−HK$872/mo
▼ 0.25% · 3.875%
HK$16,573
−HK$439/mo
Today · 4.125%
HK$17,012
baseline
▲ 0.50% · 4.625%
HK$17,909
+HK$897/mo
Deposit HK$2.12M · loan HK$3.18M · min. income ≈ HK$34,024/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,926
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$17,453
−HK$535/mo
Today · 4.125%
HK$17,988
baseline
▲ 0.50% · 4.625%
HK$19,082
+HK$1,094/mo
Deposit HK$1.59M · loan HK$3.71M · min. income ≈ HK$35,976/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,830
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$19,335
−HK$512/mo
Today · 4.125%
HK$19,847
baseline
▲ 0.50% · 4.625%
HK$20,894
+HK$1,047/mo
Deposit HK$1.59M · loan HK$3.71M · min. income ≈ HK$39,694/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,762
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$22,439
−HK$688/mo
Today · 4.125%
HK$23,127
baseline
▲ 0.50% · 4.625%
HK$24,534
+HK$1,407/mo
Deposit HK$530K · loan HK$4.77M · min. income ≈ HK$46,254/mo (50% DSR)
Upfront cash ≈ HK$650K (deposit + AVD stamp duty HK$119,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,210
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$24,860
−HK$658/mo
Today · 4.125%
HK$25,518
baseline
▲ 0.50% · 4.625%
HK$26,863
+HK$1,345/mo
Deposit HK$530K · loan HK$4.77M · min. income ≈ HK$51,036/mo (50% DSR)
Upfront cash ≈ HK$650K (deposit + AVD stamp duty HK$119,297 · 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).