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$12,023
−HK$753/mo
▼ 0.25% · 3.875%
HK$12,396
−HK$380/mo
Today · 4.125%
HK$12,776
baseline
▲ 0.50% · 4.625%
HK$13,554
+HK$778/mo
Deposit HK$2.64M · loan HK$2.64M · min. income ≈ HK$25,552/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$118,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,375
−HK$723/mo
▼ 0.25% · 3.875%
HK$13,734
−HK$364/mo
Today · 4.125%
HK$14,098
baseline
▲ 0.50% · 4.625%
HK$14,841
+HK$743/mo
Deposit HK$2.64M · loan HK$2.64M · min. income ≈ HK$28,196/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$118,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,427
−HK$905/mo
▼ 0.25% · 3.875%
HK$14,876
−HK$456/mo
Today · 4.125%
HK$15,332
baseline
▲ 0.50% · 4.625%
HK$16,265
+HK$933/mo
Deposit HK$2.11M · loan HK$3.16M · min. income ≈ HK$30,664/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,050
−HK$867/mo
▼ 0.25% · 3.875%
HK$16,480
−HK$437/mo
Today · 4.125%
HK$16,917
baseline
▲ 0.50% · 4.625%
HK$17,809
+HK$892/mo
Deposit HK$2.11M · loan HK$3.16M · min. income ≈ HK$33,834/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,832
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$17,355
−HK$532/mo
Today · 4.125%
HK$17,887
baseline
▲ 0.50% · 4.625%
HK$18,975
+HK$1,088/mo
Deposit HK$1.58M · loan HK$3.69M · min. income ≈ HK$35,774/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,725
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$19,227
−HK$510/mo
Today · 4.125%
HK$19,737
baseline
▲ 0.50% · 4.625%
HK$20,777
+HK$1,040/mo
Deposit HK$1.58M · loan HK$3.69M · min. income ≈ HK$39,474/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,641
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$22,314
−HK$684/mo
Today · 4.125%
HK$22,998
baseline
▲ 0.50% · 4.625%
HK$24,397
+HK$1,399/mo
Deposit HK$527K · loan HK$4.75M · min. income ≈ HK$45,996/mo (50% DSR)
Upfront cash ≈ HK$646K (deposit + AVD stamp duty HK$118,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,075
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$24,721
−HK$655/mo
Today · 4.125%
HK$25,376
baseline
▲ 0.50% · 4.625%
HK$26,713
+HK$1,337/mo
Deposit HK$527K · loan HK$4.75M · min. income ≈ HK$50,752/mo (50% DSR)
Upfront cash ≈ HK$646K (deposit + AVD stamp duty HK$118,630 · 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).