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$12,009
−HK$754/mo
▼ 0.25% · 3.875%
HK$12,383
−HK$380/mo
Today · 4.125%
HK$12,763
baseline
▲ 0.50% · 4.625%
HK$13,539
+HK$776/mo
Deposit HK$2.63M · loan HK$2.63M · min. income ≈ HK$25,526/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$118,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,360
−HK$722/mo
▼ 0.25% · 3.875%
HK$13,719
−HK$363/mo
Today · 4.125%
HK$14,082
baseline
▲ 0.50% · 4.625%
HK$14,824
+HK$742/mo
Deposit HK$2.63M · loan HK$2.63M · min. income ≈ HK$28,164/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$118,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,411
−HK$904/mo
▼ 0.25% · 3.875%
HK$14,860
−HK$455/mo
Today · 4.125%
HK$15,315
baseline
▲ 0.50% · 4.625%
HK$16,247
+HK$932/mo
Deposit HK$2.11M · loan HK$3.16M · min. income ≈ HK$30,630/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,032
−HK$867/mo
▼ 0.25% · 3.875%
HK$16,462
−HK$437/mo
Today · 4.125%
HK$16,899
baseline
▲ 0.50% · 4.625%
HK$17,789
+HK$890/mo
Deposit HK$2.11M · loan HK$3.16M · min. income ≈ HK$33,798/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,813
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$17,336
−HK$532/mo
Today · 4.125%
HK$17,868
baseline
▲ 0.50% · 4.625%
HK$18,955
+HK$1,087/mo
Deposit HK$1.58M · loan HK$3.69M · min. income ≈ HK$35,736/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,704
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$19,206
−HK$509/mo
Today · 4.125%
HK$19,715
baseline
▲ 0.50% · 4.625%
HK$20,754
+HK$1,039/mo
Deposit HK$1.58M · loan HK$3.69M · min. income ≈ HK$39,430/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,617
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$22,289
−HK$684/mo
Today · 4.125%
HK$22,973
baseline
▲ 0.50% · 4.625%
HK$24,370
+HK$1,397/mo
Deposit HK$527K · loan HK$4.74M · min. income ≈ HK$45,946/mo (50% DSR)
Upfront cash ≈ HK$645K (deposit + AVD stamp duty HK$118,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,049
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$24,694
−HK$654/mo
Today · 4.125%
HK$25,348
baseline
▲ 0.50% · 4.625%
HK$26,684
+HK$1,336/mo
Deposit HK$527K · loan HK$4.74M · min. income ≈ HK$50,696/mo (50% DSR)
Upfront cash ≈ HK$645K (deposit + AVD stamp duty HK$118,501 · 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).