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$12,098
−HK$758/mo
▼ 0.25% · 3.875%
HK$12,474
−HK$382/mo
Today · 4.125%
HK$12,856
baseline
▲ 0.50% · 4.625%
HK$13,639
+HK$783/mo
Deposit HK$2.65M · loan HK$2.65M · min. income ≈ HK$25,712/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$119,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,459
−HK$727/mo
▼ 0.25% · 3.875%
HK$13,820
−HK$366/mo
Today · 4.125%
HK$14,186
baseline
▲ 0.50% · 4.625%
HK$14,933
+HK$747/mo
Deposit HK$2.65M · loan HK$2.65M · min. income ≈ HK$28,372/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$119,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,517
−HK$911/mo
▼ 0.25% · 3.875%
HK$14,969
−HK$459/mo
Today · 4.125%
HK$15,428
baseline
▲ 0.50% · 4.625%
HK$16,366
+HK$938/mo
Deposit HK$2.12M · loan HK$3.18M · min. income ≈ HK$30,856/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,150
−HK$873/mo
▼ 0.25% · 3.875%
HK$16,583
−HK$440/mo
Today · 4.125%
HK$17,023
baseline
▲ 0.50% · 4.625%
HK$17,920
+HK$897/mo
Deposit HK$2.12M · loan HK$3.18M · min. income ≈ HK$34,046/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,937
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$17,464
−HK$535/mo
Today · 4.125%
HK$17,999
baseline
▲ 0.50% · 4.625%
HK$19,094
+HK$1,095/mo
Deposit HK$1.59M · loan HK$3.71M · min. income ≈ HK$35,998/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,842
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$19,347
−HK$513/mo
Today · 4.125%
HK$19,860
baseline
▲ 0.50% · 4.625%
HK$20,907
+HK$1,047/mo
Deposit HK$1.59M · loan HK$3.71M · min. income ≈ HK$39,720/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,776
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$22,453
−HK$688/mo
Today · 4.125%
HK$23,141
baseline
▲ 0.50% · 4.625%
HK$24,549
+HK$1,408/mo
Deposit HK$531K · loan HK$4.77M · min. income ≈ HK$46,282/mo (50% DSR)
Upfront cash ≈ HK$650K (deposit + AVD stamp duty HK$119,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,225
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$24,875
−HK$659/mo
Today · 4.125%
HK$25,534
baseline
▲ 0.50% · 4.625%
HK$26,880
+HK$1,346/mo
Deposit HK$531K · loan HK$4.77M · min. income ≈ HK$51,068/mo (50% DSR)
Upfront cash ≈ HK$650K (deposit + AVD stamp duty HK$119,372 · 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).