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$12,103
−HK$759/mo
▼ 0.25% · 3.875%
HK$12,480
−HK$382/mo
Today · 4.125%
HK$12,862
baseline
▲ 0.50% · 4.625%
HK$13,645
+HK$783/mo
Deposit HK$2.65M · loan HK$2.65M · min. income ≈ HK$25,724/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$119,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,465
−HK$727/mo
▼ 0.25% · 3.875%
HK$13,826
−HK$366/mo
Today · 4.125%
HK$14,192
baseline
▲ 0.50% · 4.625%
HK$14,940
+HK$748/mo
Deposit HK$2.65M · loan HK$2.65M · min. income ≈ HK$28,384/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$119,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,524
−HK$911/mo
▼ 0.25% · 3.875%
HK$14,976
−HK$459/mo
Today · 4.125%
HK$15,435
baseline
▲ 0.50% · 4.625%
HK$16,374
+HK$939/mo
Deposit HK$2.12M · loan HK$3.18M · min. income ≈ HK$30,870/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,158
−HK$872/mo
▼ 0.25% · 3.875%
HK$16,591
−HK$439/mo
Today · 4.125%
HK$17,030
baseline
▲ 0.50% · 4.625%
HK$17,928
+HK$898/mo
Deposit HK$2.12M · loan HK$3.18M · min. income ≈ HK$34,060/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,944
−HK$1,063/mo
▼ 0.25% · 3.875%
HK$17,471
−HK$536/mo
Today · 4.125%
HK$18,007
baseline
▲ 0.50% · 4.625%
HK$19,103
+HK$1,096/mo
Deposit HK$1.59M · loan HK$3.72M · min. income ≈ HK$36,014/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,850
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$19,356
−HK$513/mo
Today · 4.125%
HK$19,869
baseline
▲ 0.50% · 4.625%
HK$20,916
+HK$1,047/mo
Deposit HK$1.59M · loan HK$3.72M · min. income ≈ HK$39,738/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,786
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$22,463
−HK$689/mo
Today · 4.125%
HK$23,152
baseline
▲ 0.50% · 4.625%
HK$24,561
+HK$1,409/mo
Deposit HK$531K · loan HK$4.78M · min. income ≈ HK$46,304/mo (50% DSR)
Upfront cash ≈ HK$650K (deposit + AVD stamp duty HK$119,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,236
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$24,886
−HK$660/mo
Today · 4.125%
HK$25,546
baseline
▲ 0.50% · 4.625%
HK$26,892
+HK$1,346/mo
Deposit HK$531K · loan HK$4.78M · min. income ≈ HK$51,092/mo (50% DSR)
Upfront cash ≈ HK$650K (deposit + AVD stamp duty HK$119,426 · 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).