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$12,068
−HK$757/mo
▼ 0.25% · 3.875%
HK$12,444
−HK$381/mo
Today · 4.125%
HK$12,825
baseline
▲ 0.50% · 4.625%
HK$13,605
+HK$780/mo
Deposit HK$2.65M · loan HK$2.65M · min. income ≈ HK$25,650/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$119,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,426
−HK$725/mo
▼ 0.25% · 3.875%
HK$13,786
−HK$365/mo
Today · 4.125%
HK$14,151
baseline
▲ 0.50% · 4.625%
HK$14,897
+HK$746/mo
Deposit HK$2.65M · loan HK$2.65M · min. income ≈ HK$28,302/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$119,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,482
−HK$908/mo
▼ 0.25% · 3.875%
HK$14,932
−HK$458/mo
Today · 4.125%
HK$15,390
baseline
▲ 0.50% · 4.625%
HK$16,326
+HK$936/mo
Deposit HK$2.12M · loan HK$3.18M · min. income ≈ HK$30,780/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,111
−HK$870/mo
▼ 0.25% · 3.875%
HK$16,543
−HK$438/mo
Today · 4.125%
HK$16,981
baseline
▲ 0.50% · 4.625%
HK$17,876
+HK$895/mo
Deposit HK$2.12M · loan HK$3.18M · min. income ≈ HK$33,962/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,895
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$17,421
−HK$534/mo
Today · 4.125%
HK$17,955
baseline
▲ 0.50% · 4.625%
HK$19,047
+HK$1,092/mo
Deposit HK$1.59M · loan HK$3.70M · min. income ≈ HK$35,910/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,796
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$19,300
−HK$511/mo
Today · 4.125%
HK$19,811
baseline
▲ 0.50% · 4.625%
HK$20,856
+HK$1,045/mo
Deposit HK$1.59M · loan HK$3.70M · min. income ≈ HK$39,622/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,723
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$22,398
−HK$687/mo
Today · 4.125%
HK$23,085
baseline
▲ 0.50% · 4.625%
HK$24,490
+HK$1,405/mo
Deposit HK$529K · loan HK$4.76M · min. income ≈ HK$46,170/mo (50% DSR)
Upfront cash ≈ HK$648K (deposit + AVD stamp duty HK$119,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,166
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$24,814
−HK$658/mo
Today · 4.125%
HK$25,472
baseline
▲ 0.50% · 4.625%
HK$26,815
+HK$1,343/mo
Deposit HK$529K · loan HK$4.76M · min. income ≈ HK$50,944/mo (50% DSR)
Upfront cash ≈ HK$648K (deposit + AVD stamp duty HK$119,081 · 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).