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$12,031
−HK$755/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$118,717 · 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$14,851
+HK$743/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$118,717 · 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$16,276
+HK$933/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$118,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,062
−HK$867/mo
▼ 0.25% · 3.875%
HK$16,492
−HK$437/mo
Today · 4.125%
HK$16,929
baseline
▲ 0.50% · 4.625%
HK$17,822
+HK$893/mo
Deposit HK$2.11M · loan HK$3.17M · min. income ≈ HK$33,858/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,844
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$17,368
−HK$532/mo
Today · 4.125%
HK$17,900
baseline
▲ 0.50% · 4.625%
HK$18,989
+HK$1,089/mo
Deposit HK$1.58M · loan HK$3.69M · min. income ≈ HK$35,800/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,739
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$19,241
−HK$510/mo
Today · 4.125%
HK$19,751
baseline
▲ 0.50% · 4.625%
HK$20,792
+HK$1,041/mo
Deposit HK$1.58M · loan HK$3.69M · min. income ≈ HK$39,502/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,656
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$22,330
−HK$684/mo
Today · 4.125%
HK$23,014
baseline
▲ 0.50% · 4.625%
HK$24,415
+HK$1,401/mo
Deposit HK$528K · loan HK$4.75M · min. income ≈ HK$46,028/mo (50% DSR)
Upfront cash ≈ HK$646K (deposit + AVD stamp duty HK$118,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,092
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$24,739
−HK$655/mo
Today · 4.125%
HK$25,394
baseline
▲ 0.50% · 4.625%
HK$26,733
+HK$1,339/mo
Deposit HK$528K · loan HK$4.75M · min. income ≈ HK$50,788/mo (50% DSR)
Upfront cash ≈ HK$646K (deposit + AVD stamp duty HK$118,717 · 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).