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$12,083
−HK$757/mo
▼ 0.25% · 3.875%
HK$12,458
−HK$382/mo
Today · 4.125%
HK$12,840
baseline
▲ 0.50% · 4.625%
HK$13,622
+HK$782/mo
Deposit HK$2.65M · loan HK$2.65M · min. income ≈ HK$25,680/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$119,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,442
−HK$726/mo
▼ 0.25% · 3.875%
HK$13,802
−HK$366/mo
Today · 4.125%
HK$14,168
baseline
▲ 0.50% · 4.625%
HK$14,915
+HK$747/mo
Deposit HK$2.65M · loan HK$2.65M · min. income ≈ HK$28,336/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$119,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,499
−HK$909/mo
▼ 0.25% · 3.875%
HK$14,950
−HK$458/mo
Today · 4.125%
HK$15,408
baseline
▲ 0.50% · 4.625%
HK$16,346
+HK$938/mo
Deposit HK$2.12M · loan HK$3.18M · min. income ≈ HK$30,816/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,130
−HK$872/mo
▼ 0.25% · 3.875%
HK$16,563
−HK$439/mo
Today · 4.125%
HK$17,002
baseline
▲ 0.50% · 4.625%
HK$17,898
+HK$896/mo
Deposit HK$2.12M · loan HK$3.18M · min. income ≈ HK$34,004/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,916
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$17,442
−HK$534/mo
Today · 4.125%
HK$17,976
baseline
▲ 0.50% · 4.625%
HK$19,070
+HK$1,094/mo
Deposit HK$1.59M · loan HK$3.71M · min. income ≈ HK$35,952/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,818
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$19,323
−HK$512/mo
Today · 4.125%
HK$19,835
baseline
▲ 0.50% · 4.625%
HK$20,881
+HK$1,046/mo
Deposit HK$1.59M · loan HK$3.71M · min. income ≈ HK$39,670/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,749
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$22,425
−HK$688/mo
Today · 4.125%
HK$23,113
baseline
▲ 0.50% · 4.625%
HK$24,519
+HK$1,406/mo
Deposit HK$530K · loan HK$4.77M · min. income ≈ HK$46,226/mo (50% DSR)
Upfront cash ≈ HK$649K (deposit + AVD stamp duty HK$119,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,195
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$24,844
−HK$658/mo
Today · 4.125%
HK$25,502
baseline
▲ 0.50% · 4.625%
HK$26,847
+HK$1,345/mo
Deposit HK$530K · loan HK$4.77M · min. income ≈ HK$51,004/mo (50% DSR)
Upfront cash ≈ HK$649K (deposit + AVD stamp duty HK$119,223 · 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).