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$756/mo
▼ 0.25% · 3.875%
HK$12,430
−HK$381/mo
Today · 4.125%
HK$12,811
baseline
▲ 0.50% · 4.625%
HK$13,591
+HK$780/mo
Deposit HK$2.64M · loan HK$2.64M · min. income ≈ HK$25,622/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$118,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,411
−HK$725/mo
▼ 0.25% · 3.875%
HK$13,771
−HK$365/mo
Today · 4.125%
HK$14,136
baseline
▲ 0.50% · 4.625%
HK$14,881
+HK$745/mo
Deposit HK$2.64M · loan HK$2.64M · min. income ≈ HK$28,272/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$118,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,466
−HK$907/mo
▼ 0.25% · 3.875%
HK$14,916
−HK$457/mo
Today · 4.125%
HK$15,373
baseline
▲ 0.50% · 4.625%
HK$16,309
+HK$936/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$118,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,093
−HK$870/mo
▼ 0.25% · 3.875%
HK$16,525
−HK$438/mo
Today · 4.125%
HK$16,963
baseline
▲ 0.50% · 4.625%
HK$17,857
+HK$894/mo
Deposit HK$2.11M · loan HK$3.17M · min. income ≈ HK$33,926/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,877
−HK$1,058/mo
▼ 0.25% · 3.875%
HK$17,402
−HK$533/mo
Today · 4.125%
HK$17,935
baseline
▲ 0.50% · 4.625%
HK$19,027
+HK$1,092/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$118,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,776
−HK$1,014/mo
▼ 0.25% · 3.875%
HK$19,279
−HK$511/mo
Today · 4.125%
HK$19,790
baseline
▲ 0.50% · 4.625%
HK$20,833
+HK$1,043/mo
Deposit HK$1.59M · loan HK$3.70M · min. income ≈ HK$39,580/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,699
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$22,374
−HK$686/mo
Today · 4.125%
HK$23,060
baseline
▲ 0.50% · 4.625%
HK$24,463
+HK$1,403/mo
Deposit HK$529K · loan HK$4.76M · min. income ≈ HK$46,120/mo (50% DSR)
Upfront cash ≈ HK$648K (deposit + AVD stamp duty HK$118,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,140
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$24,787
−HK$657/mo
Today · 4.125%
HK$25,444
baseline
▲ 0.50% · 4.625%
HK$26,785
+HK$1,341/mo
Deposit HK$529K · loan HK$4.76M · min. income ≈ HK$50,888/mo (50% DSR)
Upfront cash ≈ HK$648K (deposit + AVD stamp duty HK$118,951 · 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).