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$12,050
−HK$756/mo
▼ 0.25% · 3.875%
HK$12,425
−HK$381/mo
Today · 4.125%
HK$12,806
baseline
▲ 0.50% · 4.625%
HK$13,585
+HK$779/mo
Deposit HK$2.64M · loan HK$2.64M · min. income ≈ HK$25,612/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$118,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,406
−HK$724/mo
▼ 0.25% · 3.875%
HK$13,765
−HK$365/mo
Today · 4.125%
HK$14,130
baseline
▲ 0.50% · 4.625%
HK$14,875
+HK$745/mo
Deposit HK$2.64M · loan HK$2.64M · min. income ≈ HK$28,260/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$118,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,460
−HK$907/mo
▼ 0.25% · 3.875%
HK$14,910
−HK$457/mo
Today · 4.125%
HK$15,367
baseline
▲ 0.50% · 4.625%
HK$16,302
+HK$935/mo
Deposit HK$2.11M · loan HK$3.17M · min. income ≈ HK$30,734/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,087
−HK$869/mo
▼ 0.25% · 3.875%
HK$16,518
−HK$438/mo
Today · 4.125%
HK$16,956
baseline
▲ 0.50% · 4.625%
HK$17,850
+HK$894/mo
Deposit HK$2.11M · loan HK$3.17M · min. income ≈ HK$33,912/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,870
−HK$1,058/mo
▼ 0.25% · 3.875%
HK$17,395
−HK$533/mo
Today · 4.125%
HK$17,928
baseline
▲ 0.50% · 4.625%
HK$19,019
+HK$1,091/mo
Deposit HK$1.59M · loan HK$3.70M · min. income ≈ HK$35,856/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,768
−HK$1,014/mo
▼ 0.25% · 3.875%
HK$19,271
−HK$511/mo
Today · 4.125%
HK$19,782
baseline
▲ 0.50% · 4.625%
HK$20,825
+HK$1,043/mo
Deposit HK$1.59M · loan HK$3.70M · min. income ≈ HK$39,564/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,690
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$22,365
−HK$685/mo
Today · 4.125%
HK$23,050
baseline
▲ 0.50% · 4.625%
HK$24,453
+HK$1,403/mo
Deposit HK$528K · loan HK$4.76M · min. income ≈ HK$46,100/mo (50% DSR)
Upfront cash ≈ HK$647K (deposit + AVD stamp duty HK$118,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,130
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$24,777
−HK$657/mo
Today · 4.125%
HK$25,434
baseline
▲ 0.50% · 4.625%
HK$26,774
+HK$1,340/mo
Deposit HK$528K · loan HK$4.76M · min. income ≈ HK$50,868/mo (50% DSR)
Upfront cash ≈ HK$647K (deposit + AVD stamp duty HK$118,903 · 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).