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$12,065
−HK$757/mo
▼ 0.25% · 3.875%
HK$12,440
−HK$382/mo
Today · 4.125%
HK$12,822
baseline
▲ 0.50% · 4.625%
HK$13,602
+HK$780/mo
Deposit HK$2.65M · loan HK$2.65M · min. income ≈ HK$25,644/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$119,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,422
−HK$725/mo
▼ 0.25% · 3.875%
HK$13,782
−HK$365/mo
Today · 4.125%
HK$14,147
baseline
▲ 0.50% · 4.625%
HK$14,893
+HK$746/mo
Deposit HK$2.65M · loan HK$2.65M · min. income ≈ HK$28,294/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$119,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,478
−HK$908/mo
▼ 0.25% · 3.875%
HK$14,928
−HK$458/mo
Today · 4.125%
HK$15,386
baseline
▲ 0.50% · 4.625%
HK$16,322
+HK$936/mo
Deposit HK$2.12M · loan HK$3.17M · min. income ≈ HK$30,772/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,107
−HK$870/mo
▼ 0.25% · 3.875%
HK$16,539
−HK$438/mo
Today · 4.125%
HK$16,977
baseline
▲ 0.50% · 4.625%
HK$17,872
+HK$895/mo
Deposit HK$2.12M · loan HK$3.17M · min. income ≈ HK$33,954/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,891
−HK$1,059/mo
▼ 0.25% · 3.875%
HK$17,417
−HK$533/mo
Today · 4.125%
HK$17,950
baseline
▲ 0.50% · 4.625%
HK$19,043
+HK$1,093/mo
Deposit HK$1.59M · loan HK$3.70M · min. income ≈ HK$35,900/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,791
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$19,295
−HK$511/mo
Today · 4.125%
HK$19,806
baseline
▲ 0.50% · 4.625%
HK$20,850
+HK$1,044/mo
Deposit HK$1.59M · loan HK$3.70M · min. income ≈ HK$39,612/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,717
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$22,393
−HK$686/mo
Today · 4.125%
HK$23,079
baseline
▲ 0.50% · 4.625%
HK$24,483
+HK$1,404/mo
Deposit HK$529K · loan HK$4.76M · min. income ≈ HK$46,158/mo (50% DSR)
Upfront cash ≈ HK$648K (deposit + AVD stamp duty HK$119,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,160
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$24,808
−HK$657/mo
Today · 4.125%
HK$25,465
baseline
▲ 0.50% · 4.625%
HK$26,808
+HK$1,343/mo
Deposit HK$529K · loan HK$4.76M · min. income ≈ HK$50,930/mo (50% DSR)
Upfront cash ≈ HK$648K (deposit + AVD stamp duty HK$119,051 · 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).