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$12,101
−HK$759/mo
▼ 0.25% · 3.875%
HK$12,477
−HK$383/mo
Today · 4.125%
HK$12,860
baseline
▲ 0.50% · 4.625%
HK$13,642
+HK$782/mo
Deposit HK$2.65M · loan HK$2.65M · min. income ≈ HK$25,720/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$119,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,462
−HK$727/mo
▼ 0.25% · 3.875%
HK$13,823
−HK$366/mo
Today · 4.125%
HK$14,189
baseline
▲ 0.50% · 4.625%
HK$14,937
+HK$748/mo
Deposit HK$2.65M · loan HK$2.65M · min. income ≈ HK$28,378/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$119,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,521
−HK$910/mo
▼ 0.25% · 3.875%
HK$14,972
−HK$459/mo
Today · 4.125%
HK$15,431
baseline
▲ 0.50% · 4.625%
HK$16,370
+HK$939/mo
Deposit HK$2.12M · loan HK$3.18M · min. income ≈ HK$30,862/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,154
−HK$873/mo
▼ 0.25% · 3.875%
HK$16,588
−HK$439/mo
Today · 4.125%
HK$17,027
baseline
▲ 0.50% · 4.625%
HK$17,925
+HK$898/mo
Deposit HK$2.12M · loan HK$3.18M · min. income ≈ HK$34,054/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,941
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$17,468
−HK$535/mo
Today · 4.125%
HK$18,003
baseline
▲ 0.50% · 4.625%
HK$19,099
+HK$1,096/mo
Deposit HK$1.59M · loan HK$3.71M · min. income ≈ HK$36,006/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,847
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$19,352
−HK$513/mo
Today · 4.125%
HK$19,865
baseline
▲ 0.50% · 4.625%
HK$20,912
+HK$1,047/mo
Deposit HK$1.59M · loan HK$3.71M · min. income ≈ HK$39,730/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,781
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$22,459
−HK$688/mo
Today · 4.125%
HK$23,147
baseline
▲ 0.50% · 4.625%
HK$24,556
+HK$1,409/mo
Deposit HK$531K · loan HK$4.78M · min. income ≈ HK$46,294/mo (50% DSR)
Upfront cash ≈ HK$650K (deposit + AVD stamp duty HK$119,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,231
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$24,881
−HK$660/mo
Today · 4.125%
HK$25,541
baseline
▲ 0.50% · 4.625%
HK$26,887
+HK$1,346/mo
Deposit HK$531K · loan HK$4.78M · min. income ≈ HK$51,082/mo (50% DSR)
Upfront cash ≈ HK$650K (deposit + AVD stamp duty HK$119,402 · 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).