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$12,018
−HK$753/mo
▼ 0.25% · 3.875%
HK$12,392
−HK$379/mo
Today · 4.125%
HK$12,771
baseline
▲ 0.50% · 4.625%
HK$13,548
+HK$777/mo
Deposit HK$2.64M · loan HK$2.64M · min. income ≈ HK$25,542/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$118,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,370
−HK$722/mo
▼ 0.25% · 3.875%
HK$13,728
−HK$364/mo
Today · 4.125%
HK$14,092
baseline
▲ 0.50% · 4.625%
HK$14,835
+HK$743/mo
Deposit HK$2.64M · loan HK$2.64M · min. income ≈ HK$28,184/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$118,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,421
−HK$905/mo
▼ 0.25% · 3.875%
HK$14,870
−HK$456/mo
Today · 4.125%
HK$15,326
baseline
▲ 0.50% · 4.625%
HK$16,258
+HK$932/mo
Deposit HK$2.11M · loan HK$3.16M · min. income ≈ HK$30,652/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,043
−HK$867/mo
▼ 0.25% · 3.875%
HK$16,474
−HK$436/mo
Today · 4.125%
HK$16,910
baseline
▲ 0.50% · 4.625%
HK$17,802
+HK$892/mo
Deposit HK$2.11M · loan HK$3.16M · min. income ≈ HK$33,820/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,825
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$17,348
−HK$532/mo
Today · 4.125%
HK$17,880
baseline
▲ 0.50% · 4.625%
HK$18,968
+HK$1,088/mo
Deposit HK$1.58M · loan HK$3.69M · min. income ≈ HK$35,760/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,717
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$19,219
−HK$510/mo
Today · 4.125%
HK$19,729
baseline
▲ 0.50% · 4.625%
HK$20,769
+HK$1,040/mo
Deposit HK$1.58M · loan HK$3.69M · min. income ≈ HK$39,458/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,632
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$22,305
−HK$683/mo
Today · 4.125%
HK$22,988
baseline
▲ 0.50% · 4.625%
HK$24,387
+HK$1,399/mo
Deposit HK$527K · loan HK$4.74M · min. income ≈ HK$45,976/mo (50% DSR)
Upfront cash ≈ HK$646K (deposit + AVD stamp duty HK$118,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,065
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$24,711
−HK$654/mo
Today · 4.125%
HK$25,365
baseline
▲ 0.50% · 4.625%
HK$26,702
+HK$1,337/mo
Deposit HK$527K · loan HK$4.74M · min. income ≈ HK$50,730/mo (50% DSR)
Upfront cash ≈ HK$646K (deposit + AVD stamp duty HK$118,583 · 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).