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$12,022
−HK$753/mo
▼ 0.25% · 3.875%
HK$12,395
−HK$380/mo
Today · 4.125%
HK$12,775
baseline
▲ 0.50% · 4.625%
HK$13,553
+HK$778/mo
Deposit HK$2.64M · loan HK$2.64M · min. income ≈ HK$25,550/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$118,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,374
−HK$722/mo
▼ 0.25% · 3.875%
HK$13,733
−HK$363/mo
Today · 4.125%
HK$14,096
baseline
▲ 0.50% · 4.625%
HK$14,839
+HK$743/mo
Deposit HK$2.64M · loan HK$2.64M · min. income ≈ HK$28,192/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$118,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,426
−HK$904/mo
▼ 0.25% · 3.875%
HK$14,875
−HK$455/mo
Today · 4.125%
HK$15,330
baseline
▲ 0.50% · 4.625%
HK$16,263
+HK$933/mo
Deposit HK$2.11M · loan HK$3.16M · min. income ≈ HK$30,660/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,049
−HK$867/mo
▼ 0.25% · 3.875%
HK$16,479
−HK$437/mo
Today · 4.125%
HK$16,916
baseline
▲ 0.50% · 4.625%
HK$17,807
+HK$891/mo
Deposit HK$2.11M · loan HK$3.16M · min. income ≈ HK$33,832/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,830
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$17,354
−HK$532/mo
Today · 4.125%
HK$17,886
baseline
▲ 0.50% · 4.625%
HK$18,974
+HK$1,088/mo
Deposit HK$1.58M · loan HK$3.69M · min. income ≈ HK$35,772/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,723
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$19,226
−HK$509/mo
Today · 4.125%
HK$19,735
baseline
▲ 0.50% · 4.625%
HK$20,775
+HK$1,040/mo
Deposit HK$1.58M · loan HK$3.69M · min. income ≈ HK$39,470/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,639
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$22,312
−HK$684/mo
Today · 4.125%
HK$22,996
baseline
▲ 0.50% · 4.625%
HK$24,395
+HK$1,399/mo
Deposit HK$527K · loan HK$4.74M · min. income ≈ HK$45,992/mo (50% DSR)
Upfront cash ≈ HK$646K (deposit + AVD stamp duty HK$118,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,073
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$24,719
−HK$655/mo
Today · 4.125%
HK$25,374
baseline
▲ 0.50% · 4.625%
HK$26,711
+HK$1,337/mo
Deposit HK$527K · loan HK$4.74M · min. income ≈ HK$50,748/mo (50% DSR)
Upfront cash ≈ HK$646K (deposit + AVD stamp duty HK$118,621 · 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).