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$12,032
−HK$754/mo
▼ 0.25% · 3.875%
HK$12,406
−HK$380/mo
Today · 4.125%
HK$12,786
baseline
▲ 0.50% · 4.625%
HK$13,564
+HK$778/mo
Deposit HK$2.64M · loan HK$2.64M · min. income ≈ HK$25,572/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$118,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,385
−HK$723/mo
▼ 0.25% · 3.875%
HK$13,744
−HK$364/mo
Today · 4.125%
HK$14,108
baseline
▲ 0.50% · 4.625%
HK$14,852
+HK$744/mo
Deposit HK$2.64M · loan HK$2.64M · min. income ≈ HK$28,216/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$118,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,438
−HK$905/mo
▼ 0.25% · 3.875%
HK$14,887
−HK$456/mo
Today · 4.125%
HK$15,343
baseline
▲ 0.50% · 4.625%
HK$16,277
+HK$934/mo
Deposit HK$2.11M · loan HK$3.17M · min. income ≈ HK$30,686/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,062
−HK$868/mo
▼ 0.25% · 3.875%
HK$16,493
−HK$437/mo
Today · 4.125%
HK$16,930
baseline
▲ 0.50% · 4.625%
HK$17,822
+HK$892/mo
Deposit HK$2.11M · loan HK$3.17M · min. income ≈ HK$33,860/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,844
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$17,368
−HK$533/mo
Today · 4.125%
HK$17,901
baseline
▲ 0.50% · 4.625%
HK$18,990
+HK$1,089/mo
Deposit HK$1.58M · loan HK$3.69M · min. income ≈ HK$35,802/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,739
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$19,242
−HK$510/mo
Today · 4.125%
HK$19,752
baseline
▲ 0.50% · 4.625%
HK$20,793
+HK$1,041/mo
Deposit HK$1.58M · loan HK$3.69M · min. income ≈ HK$39,504/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,657
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$22,331
−HK$684/mo
Today · 4.125%
HK$23,015
baseline
▲ 0.50% · 4.625%
HK$24,415
+HK$1,400/mo
Deposit HK$528K · loan HK$4.75M · min. income ≈ HK$46,030/mo (50% DSR)
Upfront cash ≈ HK$646K (deposit + AVD stamp duty HK$118,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,093
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$24,739
−HK$656/mo
Today · 4.125%
HK$25,395
baseline
▲ 0.50% · 4.625%
HK$26,733
+HK$1,338/mo
Deposit HK$528K · loan HK$4.75M · min. income ≈ HK$50,790/mo (50% DSR)
Upfront cash ≈ HK$646K (deposit + AVD stamp duty HK$118,721 · 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).