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$12,106
−HK$760/mo
▼ 0.25% · 3.875%
HK$12,483
−HK$383/mo
Today · 4.125%
HK$12,866
baseline
▲ 0.50% · 4.625%
HK$13,648
+HK$782/mo
Deposit HK$2.65M · loan HK$2.65M · min. income ≈ HK$25,732/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$119,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,468
−HK$728/mo
▼ 0.25% · 3.875%
HK$13,829
−HK$367/mo
Today · 4.125%
HK$14,196
baseline
▲ 0.50% · 4.625%
HK$14,944
+HK$748/mo
Deposit HK$2.65M · loan HK$2.65M · min. income ≈ HK$28,392/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$119,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,528
−HK$911/mo
▼ 0.25% · 3.875%
HK$14,980
−HK$459/mo
Today · 4.125%
HK$15,439
baseline
▲ 0.50% · 4.625%
HK$16,378
+HK$939/mo
Deposit HK$2.12M · loan HK$3.19M · min. income ≈ HK$30,878/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,162
−HK$873/mo
▼ 0.25% · 3.875%
HK$16,595
−HK$440/mo
Today · 4.125%
HK$17,035
baseline
▲ 0.50% · 4.625%
HK$17,933
+HK$898/mo
Deposit HK$2.12M · loan HK$3.19M · min. income ≈ HK$34,070/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,949
−HK$1,063/mo
▼ 0.25% · 3.875%
HK$17,476
−HK$536/mo
Today · 4.125%
HK$18,012
baseline
▲ 0.50% · 4.625%
HK$19,108
+HK$1,096/mo
Deposit HK$1.59M · loan HK$3.72M · min. income ≈ HK$36,024/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,855
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$19,361
−HK$513/mo
Today · 4.125%
HK$19,874
baseline
▲ 0.50% · 4.625%
HK$20,922
+HK$1,048/mo
Deposit HK$1.59M · loan HK$3.72M · min. income ≈ HK$39,748/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,791
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$22,469
−HK$689/mo
Today · 4.125%
HK$23,158
baseline
▲ 0.50% · 4.625%
HK$24,567
+HK$1,409/mo
Deposit HK$531K · loan HK$4.78M · min. income ≈ HK$46,316/mo (50% DSR)
Upfront cash ≈ HK$650K (deposit + AVD stamp duty HK$119,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,243
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$24,893
−HK$660/mo
Today · 4.125%
HK$25,553
baseline
▲ 0.50% · 4.625%
HK$26,899
+HK$1,346/mo
Deposit HK$531K · loan HK$4.78M · min. income ≈ HK$51,106/mo (50% DSR)
Upfront cash ≈ HK$650K (deposit + AVD stamp duty HK$119,458 · 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).