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$12,074
−HK$757/mo
▼ 0.25% · 3.875%
HK$12,450
−HK$381/mo
Today · 4.125%
HK$12,831
baseline
▲ 0.50% · 4.625%
HK$13,612
+HK$781/mo
Deposit HK$2.65M · loan HK$2.65M · min. income ≈ HK$25,662/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$119,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,432
−HK$726/mo
▼ 0.25% · 3.875%
HK$13,792
−HK$366/mo
Today · 4.125%
HK$14,158
baseline
▲ 0.50% · 4.625%
HK$14,904
+HK$746/mo
Deposit HK$2.65M · loan HK$2.65M · min. income ≈ HK$28,316/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$119,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,489
−HK$908/mo
▼ 0.25% · 3.875%
HK$14,940
−HK$457/mo
Today · 4.125%
HK$15,397
baseline
▲ 0.50% · 4.625%
HK$16,334
+HK$937/mo
Deposit HK$2.12M · loan HK$3.18M · min. income ≈ HK$30,794/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,119
−HK$871/mo
▼ 0.25% · 3.875%
HK$16,551
−HK$439/mo
Today · 4.125%
HK$16,990
baseline
▲ 0.50% · 4.625%
HK$17,885
+HK$895/mo
Deposit HK$2.12M · loan HK$3.18M · min. income ≈ HK$33,980/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,904
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$17,429
−HK$535/mo
Today · 4.125%
HK$17,964
baseline
▲ 0.50% · 4.625%
HK$19,057
+HK$1,093/mo
Deposit HK$1.59M · loan HK$3.71M · min. income ≈ HK$35,928/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,805
−HK$1,016/mo
▼ 0.25% · 3.875%
HK$19,309
−HK$512/mo
Today · 4.125%
HK$19,821
baseline
▲ 0.50% · 4.625%
HK$20,866
+HK$1,045/mo
Deposit HK$1.59M · loan HK$3.71M · min. income ≈ HK$39,642/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,733
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$22,409
−HK$687/mo
Today · 4.125%
HK$23,096
baseline
▲ 0.50% · 4.625%
HK$24,501
+HK$1,405/mo
Deposit HK$530K · loan HK$4.77M · min. income ≈ HK$46,192/mo (50% DSR)
Upfront cash ≈ HK$649K (deposit + AVD stamp duty HK$119,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,178
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$24,826
−HK$658/mo
Today · 4.125%
HK$25,484
baseline
▲ 0.50% · 4.625%
HK$26,828
+HK$1,344/mo
Deposit HK$530K · loan HK$4.77M · min. income ≈ HK$50,968/mo (50% DSR)
Upfront cash ≈ HK$649K (deposit + AVD stamp duty HK$119,139 · 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).