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$12,108
−HK$759/mo
▼ 0.25% · 3.875%
HK$12,485
−HK$382/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$119,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,470
−HK$728/mo
▼ 0.25% · 3.875%
HK$13,831
−HK$367/mo
Today · 4.125%
HK$14,198
baseline
▲ 0.50% · 4.625%
HK$14,946
+HK$748/mo
Deposit HK$2.65M · loan HK$2.65M · min. income ≈ HK$28,396/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$119,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,530
−HK$911/mo
▼ 0.25% · 3.875%
HK$14,982
−HK$459/mo
Today · 4.125%
HK$15,441
baseline
▲ 0.50% · 4.625%
HK$16,380
+HK$939/mo
Deposit HK$2.12M · loan HK$3.19M · min. income ≈ HK$30,882/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,164
−HK$873/mo
▼ 0.25% · 3.875%
HK$16,598
−HK$439/mo
Today · 4.125%
HK$17,037
baseline
▲ 0.50% · 4.625%
HK$17,935
+HK$898/mo
Deposit HK$2.12M · loan HK$3.19M · min. income ≈ HK$34,074/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,951
−HK$1,063/mo
▼ 0.25% · 3.875%
HK$17,478
−HK$536/mo
Today · 4.125%
HK$18,014
baseline
▲ 0.50% · 4.625%
HK$19,110
+HK$1,096/mo
Deposit HK$1.59M · loan HK$3.72M · min. income ≈ HK$36,028/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,858
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$19,364
−HK$513/mo
Today · 4.125%
HK$19,877
baseline
▲ 0.50% · 4.625%
HK$20,925
+HK$1,048/mo
Deposit HK$1.59M · loan HK$3.72M · min. income ≈ HK$39,754/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,794
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$22,472
−HK$689/mo
Today · 4.125%
HK$23,161
baseline
▲ 0.50% · 4.625%
HK$24,570
+HK$1,409/mo
Deposit HK$531K · loan HK$4.78M · min. income ≈ HK$46,322/mo (50% DSR)
Upfront cash ≈ HK$650K (deposit + AVD stamp duty HK$119,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,246
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$24,896
−HK$660/mo
Today · 4.125%
HK$25,556
baseline
▲ 0.50% · 4.625%
HK$26,903
+HK$1,347/mo
Deposit HK$531K · loan HK$4.78M · min. income ≈ HK$51,112/mo (50% DSR)
Upfront cash ≈ HK$650K (deposit + AVD stamp duty HK$119,474 · 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).