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$12,067
−HK$756/mo
▼ 0.25% · 3.875%
HK$12,442
−HK$381/mo
Today · 4.125%
HK$12,823
baseline
▲ 0.50% · 4.625%
HK$13,603
+HK$780/mo
Deposit HK$2.65M · loan HK$2.65M · min. income ≈ HK$25,646/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$119,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,424
−HK$725/mo
▼ 0.25% · 3.875%
HK$13,784
−HK$365/mo
Today · 4.125%
HK$14,149
baseline
▲ 0.50% · 4.625%
HK$14,895
+HK$746/mo
Deposit HK$2.65M · loan HK$2.65M · min. income ≈ HK$28,298/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$119,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,480
−HK$908/mo
▼ 0.25% · 3.875%
HK$14,930
−HK$458/mo
Today · 4.125%
HK$15,388
baseline
▲ 0.50% · 4.625%
HK$16,324
+HK$936/mo
Deposit HK$2.12M · loan HK$3.18M · min. income ≈ HK$30,776/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,109
−HK$870/mo
▼ 0.25% · 3.875%
HK$16,541
−HK$438/mo
Today · 4.125%
HK$16,979
baseline
▲ 0.50% · 4.625%
HK$17,874
+HK$895/mo
Deposit HK$2.12M · loan HK$3.18M · min. income ≈ HK$33,958/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,893
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$17,419
−HK$534/mo
Today · 4.125%
HK$17,953
baseline
▲ 0.50% · 4.625%
HK$19,045
+HK$1,092/mo
Deposit HK$1.59M · loan HK$3.70M · min. income ≈ HK$35,906/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,793
−HK$1,016/mo
▼ 0.25% · 3.875%
HK$19,298
−HK$511/mo
Today · 4.125%
HK$19,809
baseline
▲ 0.50% · 4.625%
HK$20,853
+HK$1,044/mo
Deposit HK$1.59M · loan HK$3.70M · min. income ≈ HK$39,618/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,720
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$22,395
−HK$687/mo
Today · 4.125%
HK$23,082
baseline
▲ 0.50% · 4.625%
HK$24,486
+HK$1,404/mo
Deposit HK$529K · loan HK$4.76M · min. income ≈ HK$46,164/mo (50% DSR)
Upfront cash ≈ HK$648K (deposit + AVD stamp duty HK$119,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,163
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$24,811
−HK$658/mo
Today · 4.125%
HK$25,469
baseline
▲ 0.50% · 4.625%
HK$26,811
+HK$1,342/mo
Deposit HK$529K · loan HK$4.76M · min. income ≈ HK$50,938/mo (50% DSR)
Upfront cash ≈ HK$648K (deposit + AVD stamp duty HK$119,065 · 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).