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$12,089
−HK$758/mo
▼ 0.25% · 3.875%
HK$12,465
−HK$382/mo
Today · 4.125%
HK$12,847
baseline
▲ 0.50% · 4.625%
HK$13,628
+HK$781/mo
Deposit HK$2.65M · loan HK$2.65M · min. income ≈ HK$25,694/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$119,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,448
−HK$727/mo
▼ 0.25% · 3.875%
HK$13,809
−HK$366/mo
Today · 4.125%
HK$14,175
baseline
▲ 0.50% · 4.625%
HK$14,922
+HK$747/mo
Deposit HK$2.65M · loan HK$2.65M · min. income ≈ HK$28,350/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$119,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,506
−HK$910/mo
▼ 0.25% · 3.875%
HK$14,958
−HK$458/mo
Today · 4.125%
HK$15,416
baseline
▲ 0.50% · 4.625%
HK$16,354
+HK$938/mo
Deposit HK$2.12M · loan HK$3.18M · min. income ≈ HK$30,832/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,138
−HK$872/mo
▼ 0.25% · 3.875%
HK$16,571
−HK$439/mo
Today · 4.125%
HK$17,010
baseline
▲ 0.50% · 4.625%
HK$17,907
+HK$897/mo
Deposit HK$2.12M · loan HK$3.18M · min. income ≈ HK$34,020/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,924
−HK$1,061/mo
▼ 0.25% · 3.875%
HK$17,451
−HK$534/mo
Today · 4.125%
HK$17,985
baseline
▲ 0.50% · 4.625%
HK$19,080
+HK$1,095/mo
Deposit HK$1.59M · loan HK$3.71M · min. income ≈ HK$35,970/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,828
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$19,333
−HK$512/mo
Today · 4.125%
HK$19,845
baseline
▲ 0.50% · 4.625%
HK$20,891
+HK$1,046/mo
Deposit HK$1.59M · loan HK$3.71M · min. income ≈ HK$39,690/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,760
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$22,436
−HK$688/mo
Today · 4.125%
HK$23,124
baseline
▲ 0.50% · 4.625%
HK$24,531
+HK$1,407/mo
Deposit HK$530K · loan HK$4.77M · min. income ≈ HK$46,248/mo (50% DSR)
Upfront cash ≈ HK$649K (deposit + AVD stamp duty HK$119,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,207
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$24,857
−HK$658/mo
Today · 4.125%
HK$25,515
baseline
▲ 0.50% · 4.625%
HK$26,860
+HK$1,345/mo
Deposit HK$530K · loan HK$4.77M · min. income ≈ HK$51,030/mo (50% DSR)
Upfront cash ≈ HK$649K (deposit + AVD stamp duty HK$119,283 · 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).