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$12,111
−HK$760/mo
▼ 0.25% · 3.875%
HK$12,488
−HK$383/mo
Today · 4.125%
HK$12,871
baseline
▲ 0.50% · 4.625%
HK$13,654
+HK$783/mo
Deposit HK$2.66M · loan HK$2.66M · min. income ≈ HK$25,742/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$119,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,474
−HK$728/mo
▼ 0.25% · 3.875%
HK$13,835
−HK$367/mo
Today · 4.125%
HK$14,202
baseline
▲ 0.50% · 4.625%
HK$14,950
+HK$748/mo
Deposit HK$2.66M · loan HK$2.66M · min. income ≈ HK$28,404/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$119,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,534
−HK$911/mo
▼ 0.25% · 3.875%
HK$14,986
−HK$459/mo
Today · 4.125%
HK$15,445
baseline
▲ 0.50% · 4.625%
HK$16,385
+HK$940/mo
Deposit HK$2.12M · loan HK$3.19M · min. income ≈ HK$30,890/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,169
−HK$873/mo
▼ 0.25% · 3.875%
HK$16,602
−HK$440/mo
Today · 4.125%
HK$17,042
baseline
▲ 0.50% · 4.625%
HK$17,941
+HK$899/mo
Deposit HK$2.12M · loan HK$3.19M · min. income ≈ HK$34,084/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,956
−HK$1,063/mo
▼ 0.25% · 3.875%
HK$17,483
−HK$536/mo
Today · 4.125%
HK$18,019
baseline
▲ 0.50% · 4.625%
HK$19,116
+HK$1,097/mo
Deposit HK$1.59M · loan HK$3.72M · min. income ≈ HK$36,038/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,863
−HK$1,020/mo
▼ 0.25% · 3.875%
HK$19,369
−HK$514/mo
Today · 4.125%
HK$19,883
baseline
▲ 0.50% · 4.625%
HK$20,931
+HK$1,048/mo
Deposit HK$1.59M · loan HK$3.72M · min. income ≈ HK$39,766/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,801
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$22,479
−HK$689/mo
Today · 4.125%
HK$23,168
baseline
▲ 0.50% · 4.625%
HK$24,577
+HK$1,409/mo
Deposit HK$531K · loan HK$4.78M · min. income ≈ HK$46,336/mo (50% DSR)
Upfront cash ≈ HK$651K (deposit + AVD stamp duty HK$119,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,253
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$24,903
−HK$660/mo
Today · 4.125%
HK$25,563
baseline
▲ 0.50% · 4.625%
HK$26,911
+HK$1,348/mo
Deposit HK$531K · loan HK$4.78M · min. income ≈ HK$51,126/mo (50% DSR)
Upfront cash ≈ HK$651K (deposit + AVD stamp duty HK$119,508 · 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).