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$12,010
−HK$753/mo
▼ 0.25% · 3.875%
HK$12,383
−HK$380/mo
Today · 4.125%
HK$12,763
baseline
▲ 0.50% · 4.625%
HK$13,540
+HK$777/mo
Deposit HK$2.63M · loan HK$2.63M · min. income ≈ HK$25,526/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$118,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,361
−HK$722/mo
▼ 0.25% · 3.875%
HK$13,719
−HK$364/mo
Today · 4.125%
HK$14,083
baseline
▲ 0.50% · 4.625%
HK$14,825
+HK$742/mo
Deposit HK$2.63M · loan HK$2.63M · min. income ≈ HK$28,166/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$118,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,412
−HK$904/mo
▼ 0.25% · 3.875%
HK$14,860
−HK$456/mo
Today · 4.125%
HK$15,316
baseline
▲ 0.50% · 4.625%
HK$16,248
+HK$932/mo
Deposit HK$2.11M · loan HK$3.16M · min. income ≈ HK$30,632/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,033
−HK$866/mo
▼ 0.25% · 3.875%
HK$16,463
−HK$436/mo
Today · 4.125%
HK$16,899
baseline
▲ 0.50% · 4.625%
HK$17,790
+HK$891/mo
Deposit HK$2.11M · loan HK$3.16M · min. income ≈ HK$33,798/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,814
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$17,337
−HK$531/mo
Today · 4.125%
HK$17,868
baseline
▲ 0.50% · 4.625%
HK$18,956
+HK$1,088/mo
Deposit HK$1.58M · loan HK$3.69M · min. income ≈ HK$35,736/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,705
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$19,207
−HK$509/mo
Today · 4.125%
HK$19,716
baseline
▲ 0.50% · 4.625%
HK$20,755
+HK$1,039/mo
Deposit HK$1.58M · loan HK$3.69M · min. income ≈ HK$39,432/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,618
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$22,290
−HK$683/mo
Today · 4.125%
HK$22,973
baseline
▲ 0.50% · 4.625%
HK$24,371
+HK$1,398/mo
Deposit HK$527K · loan HK$4.74M · min. income ≈ HK$45,946/mo (50% DSR)
Upfront cash ≈ HK$645K (deposit + AVD stamp duty HK$118,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,050
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$24,695
−HK$654/mo
Today · 4.125%
HK$25,349
baseline
▲ 0.50% · 4.625%
HK$26,685
+HK$1,336/mo
Deposit HK$527K · loan HK$4.74M · min. income ≈ HK$50,698/mo (50% DSR)
Upfront cash ≈ HK$645K (deposit + AVD stamp duty HK$118,506 · 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).