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$12,110
−HK$759/mo
▼ 0.25% · 3.875%
HK$12,486
−HK$383/mo
Today · 4.125%
HK$12,869
baseline
▲ 0.50% · 4.625%
HK$13,652
+HK$783/mo
Deposit HK$2.66M · loan HK$2.66M · min. income ≈ HK$25,738/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$119,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,472
−HK$728/mo
▼ 0.25% · 3.875%
HK$13,833
−HK$367/mo
Today · 4.125%
HK$14,200
baseline
▲ 0.50% · 4.625%
HK$14,948
+HK$748/mo
Deposit HK$2.66M · loan HK$2.66M · min. income ≈ HK$28,400/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$119,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,532
−HK$911/mo
▼ 0.25% · 3.875%
HK$14,984
−HK$459/mo
Today · 4.125%
HK$15,443
baseline
▲ 0.50% · 4.625%
HK$16,383
+HK$940/mo
Deposit HK$2.12M · loan HK$3.19M · min. income ≈ HK$30,886/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,166
−HK$874/mo
▼ 0.25% · 3.875%
HK$16,600
−HK$440/mo
Today · 4.125%
HK$17,040
baseline
▲ 0.50% · 4.625%
HK$17,938
+HK$898/mo
Deposit HK$2.12M · loan HK$3.19M · min. income ≈ HK$34,080/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,954
−HK$1,063/mo
▼ 0.25% · 3.875%
HK$17,481
−HK$536/mo
Today · 4.125%
HK$18,017
baseline
▲ 0.50% · 4.625%
HK$19,113
+HK$1,096/mo
Deposit HK$1.59M · loan HK$3.72M · min. income ≈ HK$36,034/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,861
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$19,367
−HK$513/mo
Today · 4.125%
HK$19,880
baseline
▲ 0.50% · 4.625%
HK$20,928
+HK$1,048/mo
Deposit HK$1.59M · loan HK$3.72M · min. income ≈ HK$39,760/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,798
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$22,476
−HK$688/mo
Today · 4.125%
HK$23,164
baseline
▲ 0.50% · 4.625%
HK$24,574
+HK$1,410/mo
Deposit HK$531K · loan HK$4.78M · min. income ≈ HK$46,328/mo (50% DSR)
Upfront cash ≈ HK$651K (deposit + AVD stamp duty HK$119,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,250
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$24,900
−HK$660/mo
Today · 4.125%
HK$25,560
baseline
▲ 0.50% · 4.625%
HK$26,907
+HK$1,347/mo
Deposit HK$531K · loan HK$4.78M · min. income ≈ HK$51,120/mo (50% DSR)
Upfront cash ≈ HK$651K (deposit + AVD stamp duty HK$119,491 · 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).