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$12,048
−HK$756/mo
▼ 0.25% · 3.875%
HK$12,423
−HK$381/mo
Today · 4.125%
HK$12,804
baseline
▲ 0.50% · 4.625%
HK$13,583
+HK$779/mo
Deposit HK$2.64M · loan HK$2.64M · min. income ≈ HK$25,608/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$118,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,404
−HK$724/mo
▼ 0.25% · 3.875%
HK$13,763
−HK$365/mo
Today · 4.125%
HK$14,128
baseline
▲ 0.50% · 4.625%
HK$14,873
+HK$745/mo
Deposit HK$2.64M · loan HK$2.64M · min. income ≈ HK$28,256/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$118,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,458
−HK$907/mo
▼ 0.25% · 3.875%
HK$14,908
−HK$457/mo
Today · 4.125%
HK$15,365
baseline
▲ 0.50% · 4.625%
HK$16,300
+HK$935/mo
Deposit HK$2.11M · loan HK$3.17M · min. income ≈ HK$30,730/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,084
−HK$869/mo
▼ 0.25% · 3.875%
HK$16,516
−HK$437/mo
Today · 4.125%
HK$16,953
baseline
▲ 0.50% · 4.625%
HK$17,847
+HK$894/mo
Deposit HK$2.11M · loan HK$3.17M · min. income ≈ HK$33,906/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,868
−HK$1,058/mo
▼ 0.25% · 3.875%
HK$17,392
−HK$534/mo
Today · 4.125%
HK$17,926
baseline
▲ 0.50% · 4.625%
HK$19,016
+HK$1,090/mo
Deposit HK$1.59M · loan HK$3.70M · min. income ≈ HK$35,852/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,765
−HK$1,014/mo
▼ 0.25% · 3.875%
HK$19,268
−HK$511/mo
Today · 4.125%
HK$19,779
baseline
▲ 0.50% · 4.625%
HK$20,822
+HK$1,043/mo
Deposit HK$1.59M · loan HK$3.70M · min. income ≈ HK$39,558/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,687
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$22,362
−HK$685/mo
Today · 4.125%
HK$23,047
baseline
▲ 0.50% · 4.625%
HK$24,449
+HK$1,402/mo
Deposit HK$528K · loan HK$4.76M · min. income ≈ HK$46,094/mo (50% DSR)
Upfront cash ≈ HK$647K (deposit + AVD stamp duty HK$118,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,127
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$24,774
−HK$656/mo
Today · 4.125%
HK$25,430
baseline
▲ 0.50% · 4.625%
HK$26,771
+HK$1,341/mo
Deposit HK$528K · loan HK$4.76M · min. income ≈ HK$50,860/mo (50% DSR)
Upfront cash ≈ HK$647K (deposit + AVD stamp duty HK$118,886 · 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).