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$12,084
−HK$758/mo
▼ 0.25% · 3.875%
HK$12,460
−HK$382/mo
Today · 4.125%
HK$12,842
baseline
▲ 0.50% · 4.625%
HK$13,623
+HK$781/mo
Deposit HK$2.65M · loan HK$2.65M · min. income ≈ HK$25,684/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$119,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,443
−HK$727/mo
▼ 0.25% · 3.875%
HK$13,804
−HK$366/mo
Today · 4.125%
HK$14,170
baseline
▲ 0.50% · 4.625%
HK$14,917
+HK$747/mo
Deposit HK$2.65M · loan HK$2.65M · min. income ≈ HK$28,340/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$119,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,501
−HK$909/mo
▼ 0.25% · 3.875%
HK$14,952
−HK$458/mo
Today · 4.125%
HK$15,410
baseline
▲ 0.50% · 4.625%
HK$16,348
+HK$938/mo
Deposit HK$2.12M · loan HK$3.18M · min. income ≈ HK$30,820/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,132
−HK$872/mo
▼ 0.25% · 3.875%
HK$16,565
−HK$439/mo
Today · 4.125%
HK$17,004
baseline
▲ 0.50% · 4.625%
HK$17,900
+HK$896/mo
Deposit HK$2.12M · loan HK$3.18M · min. income ≈ HK$34,008/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,918
−HK$1,061/mo
▼ 0.25% · 3.875%
HK$17,444
−HK$535/mo
Today · 4.125%
HK$17,979
baseline
▲ 0.50% · 4.625%
HK$19,072
+HK$1,093/mo
Deposit HK$1.59M · loan HK$3.71M · min. income ≈ HK$35,958/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,821
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$19,325
−HK$513/mo
Today · 4.125%
HK$19,838
baseline
▲ 0.50% · 4.625%
HK$20,883
+HK$1,045/mo
Deposit HK$1.59M · loan HK$3.71M · min. income ≈ HK$39,676/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,751
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$22,428
−HK$687/mo
Today · 4.125%
HK$23,115
baseline
▲ 0.50% · 4.625%
HK$24,522
+HK$1,407/mo
Deposit HK$530K · loan HK$4.77M · min. income ≈ HK$46,230/mo (50% DSR)
Upfront cash ≈ HK$649K (deposit + AVD stamp duty HK$119,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,198
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$24,847
−HK$658/mo
Today · 4.125%
HK$25,505
baseline
▲ 0.50% · 4.625%
HK$26,850
+HK$1,345/mo
Deposit HK$530K · loan HK$4.77M · min. income ≈ HK$51,010/mo (50% DSR)
Upfront cash ≈ HK$649K (deposit + AVD stamp duty HK$119,237 · 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).