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$12,055
−HK$755/mo
▼ 0.25% · 3.875%
HK$12,429
−HK$381/mo
Today · 4.125%
HK$12,810
baseline
▲ 0.50% · 4.625%
HK$13,590
+HK$780/mo
Deposit HK$2.64M · loan HK$2.64M · min. income ≈ HK$25,620/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$118,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,411
−HK$724/mo
▼ 0.25% · 3.875%
HK$13,770
−HK$365/mo
Today · 4.125%
HK$14,135
baseline
▲ 0.50% · 4.625%
HK$14,880
+HK$745/mo
Deposit HK$2.64M · loan HK$2.64M · min. income ≈ HK$28,270/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$118,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,465
−HK$908/mo
▼ 0.25% · 3.875%
HK$14,915
−HK$458/mo
Today · 4.125%
HK$15,373
baseline
▲ 0.50% · 4.625%
HK$16,308
+HK$935/mo
Deposit HK$2.11M · loan HK$3.17M · min. income ≈ HK$30,746/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,093
−HK$869/mo
▼ 0.25% · 3.875%
HK$16,524
−HK$438/mo
Today · 4.125%
HK$16,962
baseline
▲ 0.50% · 4.625%
HK$17,856
+HK$894/mo
Deposit HK$2.11M · loan HK$3.17M · min. income ≈ HK$33,924/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,876
−HK$1,059/mo
▼ 0.25% · 3.875%
HK$17,401
−HK$534/mo
Today · 4.125%
HK$17,935
baseline
▲ 0.50% · 4.625%
HK$19,026
+HK$1,091/mo
Deposit HK$1.59M · loan HK$3.70M · min. income ≈ HK$35,870/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,775
−HK$1,014/mo
▼ 0.25% · 3.875%
HK$19,278
−HK$511/mo
Today · 4.125%
HK$19,789
baseline
▲ 0.50% · 4.625%
HK$20,832
+HK$1,043/mo
Deposit HK$1.59M · loan HK$3.70M · min. income ≈ HK$39,578/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,698
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$22,373
−HK$686/mo
Today · 4.125%
HK$23,059
baseline
▲ 0.50% · 4.625%
HK$24,462
+HK$1,403/mo
Deposit HK$529K · loan HK$4.76M · min. income ≈ HK$46,118/mo (50% DSR)
Upfront cash ≈ HK$648K (deposit + AVD stamp duty HK$118,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,139
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$24,786
−HK$657/mo
Today · 4.125%
HK$25,443
baseline
▲ 0.50% · 4.625%
HK$26,784
+HK$1,341/mo
Deposit HK$529K · loan HK$4.76M · min. income ≈ HK$50,886/mo (50% DSR)
Upfront cash ≈ HK$648K (deposit + AVD stamp duty HK$118,946 · 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).