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$12,000
−HK$753/mo
▼ 0.25% · 3.875%
HK$12,374
−HK$379/mo
Today · 4.125%
HK$12,753
baseline
▲ 0.50% · 4.625%
HK$13,529
+HK$776/mo
Deposit HK$2.63M · loan HK$2.63M · min. income ≈ HK$25,506/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$118,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,350
−HK$722/mo
▼ 0.25% · 3.875%
HK$13,708
−HK$364/mo
Today · 4.125%
HK$14,072
baseline
▲ 0.50% · 4.625%
HK$14,813
+HK$741/mo
Deposit HK$2.63M · loan HK$2.63M · min. income ≈ HK$28,144/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$118,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,400
−HK$903/mo
▼ 0.25% · 3.875%
HK$14,848
−HK$455/mo
Today · 4.125%
HK$15,303
baseline
▲ 0.50% · 4.625%
HK$16,235
+HK$932/mo
Deposit HK$2.11M · loan HK$3.16M · min. income ≈ HK$30,606/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$118,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,020
−HK$866/mo
▼ 0.25% · 3.875%
HK$16,450
−HK$436/mo
Today · 4.125%
HK$16,886
baseline
▲ 0.50% · 4.625%
HK$17,776
+HK$890/mo
Deposit HK$2.11M · loan HK$3.16M · min. income ≈ HK$33,772/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$118,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,801
−HK$1,053/mo
▼ 0.25% · 3.875%
HK$17,323
−HK$531/mo
Today · 4.125%
HK$17,854
baseline
▲ 0.50% · 4.625%
HK$18,940
+HK$1,086/mo
Deposit HK$1.58M · loan HK$3.68M · min. income ≈ HK$35,708/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,690
−HK$1,010/mo
▼ 0.25% · 3.875%
HK$19,192
−HK$508/mo
Today · 4.125%
HK$19,700
baseline
▲ 0.50% · 4.625%
HK$20,739
+HK$1,039/mo
Deposit HK$1.58M · loan HK$3.68M · min. income ≈ HK$39,400/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,601
−HK$1,354/mo
▼ 0.25% · 3.875%
HK$22,273
−HK$682/mo
Today · 4.125%
HK$22,955
baseline
▲ 0.50% · 4.625%
HK$24,352
+HK$1,397/mo
Deposit HK$526K · loan HK$4.74M · min. income ≈ HK$45,910/mo (50% DSR)
Upfront cash ≈ HK$645K (deposit + AVD stamp duty HK$118,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,031
−HK$1,298/mo
▼ 0.25% · 3.875%
HK$24,675
−HK$654/mo
Today · 4.125%
HK$25,329
baseline
▲ 0.50% · 4.625%
HK$26,664
+HK$1,335/mo
Deposit HK$526K · loan HK$4.74M · min. income ≈ HK$50,658/mo (50% DSR)
Upfront cash ≈ HK$645K (deposit + AVD stamp duty HK$118,412 · 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).