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$12,070
−HK$757/mo
▼ 0.25% · 3.875%
HK$12,445
−HK$382/mo
Today · 4.125%
HK$12,827
baseline
▲ 0.50% · 4.625%
HK$13,607
+HK$780/mo
Deposit HK$2.65M · loan HK$2.65M · min. income ≈ HK$25,654/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$119,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,428
−HK$725/mo
▼ 0.25% · 3.875%
HK$13,788
−HK$365/mo
Today · 4.125%
HK$14,153
baseline
▲ 0.50% · 4.625%
HK$14,899
+HK$746/mo
Deposit HK$2.65M · loan HK$2.65M · min. income ≈ HK$28,306/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$119,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,484
−HK$908/mo
▼ 0.25% · 3.875%
HK$14,934
−HK$458/mo
Today · 4.125%
HK$15,392
baseline
▲ 0.50% · 4.625%
HK$16,329
+HK$937/mo
Deposit HK$2.12M · loan HK$3.18M · min. income ≈ HK$30,784/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,113
−HK$871/mo
▼ 0.25% · 3.875%
HK$16,545
−HK$439/mo
Today · 4.125%
HK$16,984
baseline
▲ 0.50% · 4.625%
HK$17,879
+HK$895/mo
Deposit HK$2.12M · loan HK$3.18M · min. income ≈ HK$33,968/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,898
−HK$1,059/mo
▼ 0.25% · 3.875%
HK$17,423
−HK$534/mo
Today · 4.125%
HK$17,957
baseline
▲ 0.50% · 4.625%
HK$19,050
+HK$1,093/mo
Deposit HK$1.59M · loan HK$3.71M · min. income ≈ HK$35,914/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,799
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$19,303
−HK$511/mo
Today · 4.125%
HK$19,814
baseline
▲ 0.50% · 4.625%
HK$20,859
+HK$1,045/mo
Deposit HK$1.59M · loan HK$3.71M · min. income ≈ HK$39,628/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,726
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$22,402
−HK$686/mo
Today · 4.125%
HK$23,088
baseline
▲ 0.50% · 4.625%
HK$24,493
+HK$1,405/mo
Deposit HK$529K · loan HK$4.76M · min. income ≈ HK$46,176/mo (50% DSR)
Upfront cash ≈ HK$648K (deposit + AVD stamp duty HK$119,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,170
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$24,818
−HK$657/mo
Today · 4.125%
HK$25,475
baseline
▲ 0.50% · 4.625%
HK$26,818
+HK$1,343/mo
Deposit HK$529K · loan HK$4.76M · min. income ≈ HK$50,950/mo (50% DSR)
Upfront cash ≈ HK$648K (deposit + AVD stamp duty HK$119,097 · 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).