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$12,005
−HK$753/mo
▼ 0.25% · 3.875%
HK$12,379
−HK$379/mo
Today · 4.125%
HK$12,758
baseline
▲ 0.50% · 4.625%
HK$13,534
+HK$776/mo
Deposit HK$2.63M · loan HK$2.63M · min. income ≈ HK$25,516/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$118,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,356
−HK$721/mo
▼ 0.25% · 3.875%
HK$13,714
−HK$363/mo
Today · 4.125%
HK$14,077
baseline
▲ 0.50% · 4.625%
HK$14,819
+HK$742/mo
Deposit HK$2.63M · loan HK$2.63M · min. income ≈ HK$28,154/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$118,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,406
−HK$904/mo
▼ 0.25% · 3.875%
HK$14,855
−HK$455/mo
Today · 4.125%
HK$15,310
baseline
▲ 0.50% · 4.625%
HK$16,241
+HK$931/mo
Deposit HK$2.11M · loan HK$3.16M · min. income ≈ HK$30,620/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$118,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,027
−HK$866/mo
▼ 0.25% · 3.875%
HK$16,457
−HK$436/mo
Today · 4.125%
HK$16,893
baseline
▲ 0.50% · 4.625%
HK$17,783
+HK$890/mo
Deposit HK$2.11M · loan HK$3.16M · min. income ≈ HK$33,786/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$118,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,807
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$17,330
−HK$531/mo
Today · 4.125%
HK$17,861
baseline
▲ 0.50% · 4.625%
HK$18,948
+HK$1,087/mo
Deposit HK$1.58M · loan HK$3.69M · min. income ≈ HK$35,722/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,698
−HK$1,010/mo
▼ 0.25% · 3.875%
HK$19,200
−HK$508/mo
Today · 4.125%
HK$19,708
baseline
▲ 0.50% · 4.625%
HK$20,747
+HK$1,039/mo
Deposit HK$1.58M · loan HK$3.69M · min. income ≈ HK$39,416/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,610
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$22,282
−HK$683/mo
Today · 4.125%
HK$22,965
baseline
▲ 0.50% · 4.625%
HK$24,362
+HK$1,397/mo
Deposit HK$526K · loan HK$4.74M · min. income ≈ HK$45,930/mo (50% DSR)
Upfront cash ≈ HK$645K (deposit + AVD stamp duty HK$118,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,040
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$24,685
−HK$654/mo
Today · 4.125%
HK$25,339
baseline
▲ 0.50% · 4.625%
HK$26,675
+HK$1,336/mo
Deposit HK$526K · loan HK$4.74M · min. income ≈ HK$50,678/mo (50% DSR)
Upfront cash ≈ HK$645K (deposit + AVD stamp duty HK$118,461 · 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).