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$12,052
−HK$756/mo
▼ 0.25% · 3.875%
HK$12,427
−HK$381/mo
Today · 4.125%
HK$12,808
baseline
▲ 0.50% · 4.625%
HK$13,587
+HK$779/mo
Deposit HK$2.64M · loan HK$2.64M · min. income ≈ HK$25,616/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$118,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,408
−HK$724/mo
▼ 0.25% · 3.875%
HK$13,767
−HK$365/mo
Today · 4.125%
HK$14,132
baseline
▲ 0.50% · 4.625%
HK$14,877
+HK$745/mo
Deposit HK$2.64M · loan HK$2.64M · min. income ≈ HK$28,264/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$118,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,462
−HK$907/mo
▼ 0.25% · 3.875%
HK$14,912
−HK$457/mo
Today · 4.125%
HK$15,369
baseline
▲ 0.50% · 4.625%
HK$16,305
+HK$936/mo
Deposit HK$2.11M · loan HK$3.17M · min. income ≈ HK$30,738/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,089
−HK$870/mo
▼ 0.25% · 3.875%
HK$16,521
−HK$438/mo
Today · 4.125%
HK$16,959
baseline
▲ 0.50% · 4.625%
HK$17,852
+HK$893/mo
Deposit HK$2.11M · loan HK$3.17M · min. income ≈ HK$33,918/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,873
−HK$1,058/mo
▼ 0.25% · 3.875%
HK$17,398
−HK$533/mo
Today · 4.125%
HK$17,931
baseline
▲ 0.50% · 4.625%
HK$19,022
+HK$1,091/mo
Deposit HK$1.59M · loan HK$3.70M · min. income ≈ HK$35,862/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,771
−HK$1,014/mo
▼ 0.25% · 3.875%
HK$19,274
−HK$511/mo
Today · 4.125%
HK$19,785
baseline
▲ 0.50% · 4.625%
HK$20,828
+HK$1,043/mo
Deposit HK$1.59M · loan HK$3.70M · min. income ≈ HK$39,570/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,694
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$22,368
−HK$686/mo
Today · 4.125%
HK$23,054
baseline
▲ 0.50% · 4.625%
HK$24,457
+HK$1,403/mo
Deposit HK$529K · loan HK$4.76M · min. income ≈ HK$46,108/mo (50% DSR)
Upfront cash ≈ HK$647K (deposit + AVD stamp duty HK$118,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,134
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$24,781
−HK$657/mo
Today · 4.125%
HK$25,438
baseline
▲ 0.50% · 4.625%
HK$26,779
+HK$1,341/mo
Deposit HK$529K · loan HK$4.76M · min. income ≈ HK$50,876/mo (50% DSR)
Upfront cash ≈ HK$647K (deposit + AVD stamp duty HK$118,921 · 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).