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$12,059
−HK$756/mo
▼ 0.25% · 3.875%
HK$12,434
−HK$381/mo
Today · 4.125%
HK$12,815
baseline
▲ 0.50% · 4.625%
HK$13,595
+HK$780/mo
Deposit HK$2.64M · loan HK$2.64M · min. income ≈ HK$25,630/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$118,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,415
−HK$725/mo
▼ 0.25% · 3.875%
HK$13,775
−HK$365/mo
Today · 4.125%
HK$14,140
baseline
▲ 0.50% · 4.625%
HK$14,885
+HK$745/mo
Deposit HK$2.64M · loan HK$2.64M · min. income ≈ HK$28,280/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$118,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,471
−HK$907/mo
▼ 0.25% · 3.875%
HK$14,921
−HK$457/mo
Today · 4.125%
HK$15,378
baseline
▲ 0.50% · 4.625%
HK$16,314
+HK$936/mo
Deposit HK$2.12M · loan HK$3.17M · min. income ≈ HK$30,756/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,098
−HK$870/mo
▼ 0.25% · 3.875%
HK$16,530
−HK$438/mo
Today · 4.125%
HK$16,968
baseline
▲ 0.50% · 4.625%
HK$17,863
+HK$895/mo
Deposit HK$2.12M · loan HK$3.17M · min. income ≈ HK$33,936/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,882
−HK$1,059/mo
▼ 0.25% · 3.875%
HK$17,408
−HK$533/mo
Today · 4.125%
HK$17,941
baseline
▲ 0.50% · 4.625%
HK$19,033
+HK$1,092/mo
Deposit HK$1.59M · loan HK$3.70M · min. income ≈ HK$35,882/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$118,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,781
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$19,285
−HK$511/mo
Today · 4.125%
HK$19,796
baseline
▲ 0.50% · 4.625%
HK$20,840
+HK$1,044/mo
Deposit HK$1.59M · loan HK$3.70M · min. income ≈ HK$39,592/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$118,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,706
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$22,381
−HK$686/mo
Today · 4.125%
HK$23,067
baseline
▲ 0.50% · 4.625%
HK$24,471
+HK$1,404/mo
Deposit HK$529K · loan HK$4.76M · min. income ≈ HK$46,134/mo (50% DSR)
Upfront cash ≈ HK$648K (deposit + AVD stamp duty HK$118,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,148
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$24,795
−HK$657/mo
Today · 4.125%
HK$25,452
baseline
▲ 0.50% · 4.625%
HK$26,794
+HK$1,342/mo
Deposit HK$529K · loan HK$4.76M · min. income ≈ HK$50,904/mo (50% DSR)
Upfront cash ≈ HK$648K (deposit + AVD stamp duty HK$118,989 · 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).