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$12,013
−HK$753/mo
▼ 0.25% · 3.875%
HK$12,387
−HK$379/mo
Today · 4.125%
HK$12,766
baseline
▲ 0.50% · 4.625%
HK$13,543
+HK$777/mo
Deposit HK$2.63M · loan HK$2.63M · min. income ≈ HK$25,532/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$118,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,364
−HK$722/mo
▼ 0.25% · 3.875%
HK$13,723
−HK$363/mo
Today · 4.125%
HK$14,086
baseline
▲ 0.50% · 4.625%
HK$14,829
+HK$743/mo
Deposit HK$2.63M · loan HK$2.63M · min. income ≈ HK$28,172/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$118,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,416
−HK$904/mo
▼ 0.25% · 3.875%
HK$14,864
−HK$456/mo
Today · 4.125%
HK$15,320
baseline
▲ 0.50% · 4.625%
HK$16,252
+HK$932/mo
Deposit HK$2.11M · loan HK$3.16M · min. income ≈ HK$30,640/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,037
−HK$867/mo
▼ 0.25% · 3.875%
HK$16,467
−HK$437/mo
Today · 4.125%
HK$16,904
baseline
▲ 0.50% · 4.625%
HK$17,795
+HK$891/mo
Deposit HK$2.11M · loan HK$3.16M · min. income ≈ HK$33,808/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,818
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$17,341
−HK$532/mo
Today · 4.125%
HK$17,873
baseline
▲ 0.50% · 4.625%
HK$18,960
+HK$1,087/mo
Deposit HK$1.58M · loan HK$3.69M · min. income ≈ HK$35,746/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,710
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$19,212
−HK$509/mo
Today · 4.125%
HK$19,721
baseline
▲ 0.50% · 4.625%
HK$20,760
+HK$1,039/mo
Deposit HK$1.58M · loan HK$3.69M · min. income ≈ HK$39,442/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,623
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$22,296
−HK$683/mo
Today · 4.125%
HK$22,979
baseline
▲ 0.50% · 4.625%
HK$24,378
+HK$1,399/mo
Deposit HK$527K · loan HK$4.74M · min. income ≈ HK$45,958/mo (50% DSR)
Upfront cash ≈ HK$645K (deposit + AVD stamp duty HK$118,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,056
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$24,701
−HK$654/mo
Today · 4.125%
HK$25,355
baseline
▲ 0.50% · 4.625%
HK$26,692
+HK$1,337/mo
Deposit HK$527K · loan HK$4.74M · min. income ≈ HK$50,710/mo (50% DSR)
Upfront cash ≈ HK$645K (deposit + AVD stamp duty HK$118,537 · 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).