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$12,059
−HK$756/mo
▼ 0.25% · 3.875%
HK$12,434
−HK$381/mo
Today · 4.125%
HK$12,815
baseline
▲ 0.50% · 4.625%
HK$13,595
+HK$780/mo
Deposit HK$2.64M · loan HK$2.64M · min. income ≈ HK$25,630/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$118,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,416
−HK$725/mo
▼ 0.25% · 3.875%
HK$13,776
−HK$365/mo
Today · 4.125%
HK$14,141
baseline
▲ 0.50% · 4.625%
HK$14,886
+HK$745/mo
Deposit HK$2.64M · loan HK$2.64M · min. income ≈ HK$28,282/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$118,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,471
−HK$907/mo
▼ 0.25% · 3.875%
HK$14,921
−HK$457/mo
Today · 4.125%
HK$15,378
baseline
▲ 0.50% · 4.625%
HK$16,314
+HK$936/mo
Deposit HK$2.12M · loan HK$3.17M · min. income ≈ HK$30,756/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,099
−HK$870/mo
▼ 0.25% · 3.875%
HK$16,531
−HK$438/mo
Today · 4.125%
HK$16,969
baseline
▲ 0.50% · 4.625%
HK$17,863
+HK$894/mo
Deposit HK$2.12M · loan HK$3.17M · min. income ≈ HK$33,938/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,883
−HK$1,059/mo
▼ 0.25% · 3.875%
HK$17,408
−HK$534/mo
Today · 4.125%
HK$17,942
baseline
▲ 0.50% · 4.625%
HK$19,033
+HK$1,091/mo
Deposit HK$1.59M · loan HK$3.70M · min. income ≈ HK$35,884/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$118,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,782
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$19,286
−HK$511/mo
Today · 4.125%
HK$19,797
baseline
▲ 0.50% · 4.625%
HK$20,840
+HK$1,043/mo
Deposit HK$1.59M · loan HK$3.70M · min. income ≈ HK$39,594/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$118,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,707
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$22,382
−HK$686/mo
Today · 4.125%
HK$23,068
baseline
▲ 0.50% · 4.625%
HK$24,471
+HK$1,403/mo
Deposit HK$529K · loan HK$4.76M · min. income ≈ HK$46,136/mo (50% DSR)
Upfront cash ≈ HK$648K (deposit + AVD stamp duty HK$118,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,148
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$24,796
−HK$657/mo
Today · 4.125%
HK$25,453
baseline
▲ 0.50% · 4.625%
HK$26,795
+HK$1,342/mo
Deposit HK$529K · loan HK$4.76M · min. income ≈ HK$50,906/mo (50% DSR)
Upfront cash ≈ HK$648K (deposit + AVD stamp duty HK$118,992 · 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).