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$12,034
−HK$755/mo
▼ 0.25% · 3.875%
HK$12,408
−HK$381/mo
Today · 4.125%
HK$12,789
baseline
▲ 0.50% · 4.625%
HK$13,567
+HK$778/mo
Deposit HK$2.64M · loan HK$2.64M · min. income ≈ HK$25,578/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$118,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,388
−HK$723/mo
▼ 0.25% · 3.875%
HK$13,747
−HK$364/mo
Today · 4.125%
HK$14,111
baseline
▲ 0.50% · 4.625%
HK$14,855
+HK$744/mo
Deposit HK$2.64M · loan HK$2.64M · min. income ≈ HK$28,222/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$118,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,441
−HK$906/mo
▼ 0.25% · 3.875%
HK$14,890
−HK$457/mo
Today · 4.125%
HK$15,347
baseline
▲ 0.50% · 4.625%
HK$16,280
+HK$933/mo
Deposit HK$2.11M · loan HK$3.17M · min. income ≈ HK$30,694/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,065
−HK$868/mo
▼ 0.25% · 3.875%
HK$16,496
−HK$437/mo
Today · 4.125%
HK$16,933
baseline
▲ 0.50% · 4.625%
HK$17,826
+HK$893/mo
Deposit HK$2.11M · loan HK$3.17M · min. income ≈ HK$33,866/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,848
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$17,372
−HK$532/mo
Today · 4.125%
HK$17,904
baseline
▲ 0.50% · 4.625%
HK$18,994
+HK$1,090/mo
Deposit HK$1.58M · loan HK$3.69M · min. income ≈ HK$35,808/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,743
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$19,246
−HK$510/mo
Today · 4.125%
HK$19,756
baseline
▲ 0.50% · 4.625%
HK$20,797
+HK$1,041/mo
Deposit HK$1.58M · loan HK$3.69M · min. income ≈ HK$39,512/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,661
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$22,335
−HK$685/mo
Today · 4.125%
HK$23,020
baseline
▲ 0.50% · 4.625%
HK$24,421
+HK$1,401/mo
Deposit HK$528K · loan HK$4.75M · min. income ≈ HK$46,040/mo (50% DSR)
Upfront cash ≈ HK$646K (deposit + AVD stamp duty HK$118,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,098
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$24,744
−HK$656/mo
Today · 4.125%
HK$25,400
baseline
▲ 0.50% · 4.625%
HK$26,739
+HK$1,339/mo
Deposit HK$528K · loan HK$4.75M · min. income ≈ HK$50,800/mo (50% DSR)
Upfront cash ≈ HK$646K (deposit + AVD stamp duty HK$118,745 · 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).