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$754/mo
▼ 0.25% · 3.875%
HK$12,397
−HK$380/mo
Today · 4.125%
HK$12,777
baseline
▲ 0.50% · 4.625%
HK$13,555
+HK$778/mo
Deposit HK$2.64M · loan HK$2.64M · min. income ≈ HK$25,554/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$118,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,376
−HK$722/mo
▼ 0.25% · 3.875%
HK$13,734
−HK$364/mo
Today · 4.125%
HK$14,098
baseline
▲ 0.50% · 4.625%
HK$14,842
+HK$744/mo
Deposit HK$2.64M · loan HK$2.64M · min. income ≈ HK$28,196/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$118,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,428
−HK$905/mo
▼ 0.25% · 3.875%
HK$14,877
−HK$456/mo
Today · 4.125%
HK$15,333
baseline
▲ 0.50% · 4.625%
HK$16,266
+HK$933/mo
Deposit HK$2.11M · loan HK$3.16M · min. income ≈ HK$30,666/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,051
−HK$867/mo
▼ 0.25% · 3.875%
HK$16,481
−HK$437/mo
Today · 4.125%
HK$16,918
baseline
▲ 0.50% · 4.625%
HK$17,810
+HK$892/mo
Deposit HK$2.11M · loan HK$3.16M · min. income ≈ HK$33,836/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,833
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$17,356
−HK$532/mo
Today · 4.125%
HK$17,888
baseline
▲ 0.50% · 4.625%
HK$18,977
+HK$1,089/mo
Deposit HK$1.58M · loan HK$3.69M · min. income ≈ HK$35,776/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,726
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$19,228
−HK$510/mo
Today · 4.125%
HK$19,738
baseline
▲ 0.50% · 4.625%
HK$20,778
+HK$1,040/mo
Deposit HK$1.58M · loan HK$3.69M · min. income ≈ HK$39,476/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,642
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$22,315
−HK$684/mo
Today · 4.125%
HK$22,999
baseline
▲ 0.50% · 4.625%
HK$24,398
+HK$1,399/mo
Deposit HK$527K · loan HK$4.75M · min. income ≈ HK$45,998/mo (50% DSR)
Upfront cash ≈ HK$646K (deposit + AVD stamp duty HK$118,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,076
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$24,722
−HK$655/mo
Today · 4.125%
HK$25,377
baseline
▲ 0.50% · 4.625%
HK$26,715
+HK$1,338/mo
Deposit HK$527K · loan HK$4.75M · min. income ≈ HK$50,754/mo (50% DSR)
Upfront cash ≈ HK$646K (deposit + AVD stamp duty HK$118,638 · 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).