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$12,063
−HK$757/mo
▼ 0.25% · 3.875%
HK$12,439
−HK$381/mo
Today · 4.125%
HK$12,820
baseline
▲ 0.50% · 4.625%
HK$13,600
+HK$780/mo
Deposit HK$2.65M · loan HK$2.65M · min. income ≈ HK$25,640/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$119,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,420
−HK$725/mo
▼ 0.25% · 3.875%
HK$13,780
−HK$365/mo
Today · 4.125%
HK$14,145
baseline
▲ 0.50% · 4.625%
HK$14,891
+HK$746/mo
Deposit HK$2.65M · loan HK$2.65M · min. income ≈ HK$28,290/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$119,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,476
−HK$908/mo
▼ 0.25% · 3.875%
HK$14,926
−HK$458/mo
Today · 4.125%
HK$15,384
baseline
▲ 0.50% · 4.625%
HK$16,320
+HK$936/mo
Deposit HK$2.12M · loan HK$3.17M · min. income ≈ HK$30,768/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,104
−HK$871/mo
▼ 0.25% · 3.875%
HK$16,536
−HK$439/mo
Today · 4.125%
HK$16,975
baseline
▲ 0.50% · 4.625%
HK$17,869
+HK$894/mo
Deposit HK$2.12M · loan HK$3.17M · min. income ≈ HK$33,950/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,889
−HK$1,059/mo
▼ 0.25% · 3.875%
HK$17,414
−HK$534/mo
Today · 4.125%
HK$17,948
baseline
▲ 0.50% · 4.625%
HK$19,040
+HK$1,092/mo
Deposit HK$1.59M · loan HK$3.70M · min. income ≈ HK$35,896/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,789
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$19,292
−HK$512/mo
Today · 4.125%
HK$19,804
baseline
▲ 0.50% · 4.625%
HK$20,848
+HK$1,044/mo
Deposit HK$1.59M · loan HK$3.70M · min. income ≈ HK$39,608/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,714
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$22,390
−HK$686/mo
Today · 4.125%
HK$23,076
baseline
▲ 0.50% · 4.625%
HK$24,480
+HK$1,404/mo
Deposit HK$529K · loan HK$4.76M · min. income ≈ HK$46,152/mo (50% DSR)
Upfront cash ≈ HK$648K (deposit + AVD stamp duty HK$119,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,157
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$24,805
−HK$657/mo
Today · 4.125%
HK$25,462
baseline
▲ 0.50% · 4.625%
HK$26,804
+HK$1,342/mo
Deposit HK$529K · loan HK$4.76M · min. income ≈ HK$50,924/mo (50% DSR)
Upfront cash ≈ HK$648K (deposit + AVD stamp duty HK$119,034 · 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).