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$12,099
−HK$758/mo
▼ 0.25% · 3.875%
HK$12,475
−HK$382/mo
Today · 4.125%
HK$12,857
baseline
▲ 0.50% · 4.625%
HK$13,640
+HK$783/mo
Deposit HK$2.65M · loan HK$2.65M · min. income ≈ HK$25,714/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$119,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,460
−HK$727/mo
▼ 0.25% · 3.875%
HK$13,821
−HK$366/mo
Today · 4.125%
HK$14,187
baseline
▲ 0.50% · 4.625%
HK$14,935
+HK$748/mo
Deposit HK$2.65M · loan HK$2.65M · min. income ≈ HK$28,374/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$119,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,519
−HK$910/mo
▼ 0.25% · 3.875%
HK$14,970
−HK$459/mo
Today · 4.125%
HK$15,429
baseline
▲ 0.50% · 4.625%
HK$16,368
+HK$939/mo
Deposit HK$2.12M · loan HK$3.18M · min. income ≈ HK$30,858/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,152
−HK$872/mo
▼ 0.25% · 3.875%
HK$16,585
−HK$439/mo
Today · 4.125%
HK$17,024
baseline
▲ 0.50% · 4.625%
HK$17,922
+HK$898/mo
Deposit HK$2.12M · loan HK$3.18M · min. income ≈ HK$34,048/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,938
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$17,465
−HK$535/mo
Today · 4.125%
HK$18,000
baseline
▲ 0.50% · 4.625%
HK$19,096
+HK$1,096/mo
Deposit HK$1.59M · loan HK$3.71M · min. income ≈ HK$36,000/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,844
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$19,349
−HK$513/mo
Today · 4.125%
HK$19,862
baseline
▲ 0.50% · 4.625%
HK$20,909
+HK$1,047/mo
Deposit HK$1.59M · loan HK$3.71M · min. income ≈ HK$39,724/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,778
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$22,455
−HK$688/mo
Today · 4.125%
HK$23,143
baseline
▲ 0.50% · 4.625%
HK$24,552
+HK$1,409/mo
Deposit HK$531K · loan HK$4.78M · min. income ≈ HK$46,286/mo (50% DSR)
Upfront cash ≈ HK$650K (deposit + AVD stamp duty HK$119,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,228
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$24,877
−HK$660/mo
Today · 4.125%
HK$25,537
baseline
▲ 0.50% · 4.625%
HK$26,883
+HK$1,346/mo
Deposit HK$531K · loan HK$4.78M · min. income ≈ HK$51,074/mo (50% DSR)
Upfront cash ≈ HK$650K (deposit + AVD stamp duty HK$119,383 · 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).