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$12,029
−HK$755/mo
▼ 0.25% · 3.875%
HK$12,404
−HK$380/mo
Today · 4.125%
HK$12,784
baseline
▲ 0.50% · 4.625%
HK$13,562
+HK$778/mo
Deposit HK$2.64M · loan HK$2.64M · min. income ≈ HK$25,568/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$118,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,383
−HK$723/mo
▼ 0.25% · 3.875%
HK$13,742
−HK$364/mo
Today · 4.125%
HK$14,106
baseline
▲ 0.50% · 4.625%
HK$14,849
+HK$743/mo
Deposit HK$2.64M · loan HK$2.64M · min. income ≈ HK$28,212/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$118,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,435
−HK$906/mo
▼ 0.25% · 3.875%
HK$14,884
−HK$457/mo
Today · 4.125%
HK$15,341
baseline
▲ 0.50% · 4.625%
HK$16,274
+HK$933/mo
Deposit HK$2.11M · loan HK$3.17M · min. income ≈ HK$30,682/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,059
−HK$868/mo
▼ 0.25% · 3.875%
HK$16,490
−HK$437/mo
Today · 4.125%
HK$16,927
baseline
▲ 0.50% · 4.625%
HK$17,819
+HK$892/mo
Deposit HK$2.11M · loan HK$3.17M · min. income ≈ HK$33,854/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,841
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$17,365
−HK$532/mo
Today · 4.125%
HK$17,897
baseline
▲ 0.50% · 4.625%
HK$18,986
+HK$1,089/mo
Deposit HK$1.58M · loan HK$3.69M · min. income ≈ HK$35,794/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,736
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$19,238
−HK$510/mo
Today · 4.125%
HK$19,748
baseline
▲ 0.50% · 4.625%
HK$20,789
+HK$1,041/mo
Deposit HK$1.58M · loan HK$3.69M · min. income ≈ HK$39,496/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,653
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$22,327
−HK$684/mo
Today · 4.125%
HK$23,011
baseline
▲ 0.50% · 4.625%
HK$24,411
+HK$1,400/mo
Deposit HK$528K · loan HK$4.75M · min. income ≈ HK$46,022/mo (50% DSR)
Upfront cash ≈ HK$646K (deposit + AVD stamp duty HK$118,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,089
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$24,735
−HK$655/mo
Today · 4.125%
HK$25,390
baseline
▲ 0.50% · 4.625%
HK$26,729
+HK$1,339/mo
Deposit HK$528K · loan HK$4.75M · min. income ≈ HK$50,780/mo (50% DSR)
Upfront cash ≈ HK$646K (deposit + AVD stamp duty HK$118,699 · 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).