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$12,004
−HK$753/mo
▼ 0.25% · 3.875%
HK$12,378
−HK$379/mo
Today · 4.125%
HK$12,757
baseline
▲ 0.50% · 4.625%
HK$13,533
+HK$776/mo
Deposit HK$2.63M · loan HK$2.63M · min. income ≈ HK$25,514/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$118,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,355
−HK$721/mo
▼ 0.25% · 3.875%
HK$13,713
−HK$363/mo
Today · 4.125%
HK$14,076
baseline
▲ 0.50% · 4.625%
HK$14,818
+HK$742/mo
Deposit HK$2.63M · loan HK$2.63M · min. income ≈ HK$28,152/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$118,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,405
−HK$903/mo
▼ 0.25% · 3.875%
HK$14,853
−HK$455/mo
Today · 4.125%
HK$15,308
baseline
▲ 0.50% · 4.625%
HK$16,240
+HK$932/mo
Deposit HK$2.11M · loan HK$3.16M · min. income ≈ HK$30,616/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$118,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,025
−HK$866/mo
▼ 0.25% · 3.875%
HK$16,455
−HK$436/mo
Today · 4.125%
HK$16,891
baseline
▲ 0.50% · 4.625%
HK$17,782
+HK$891/mo
Deposit HK$2.11M · loan HK$3.16M · min. income ≈ HK$33,782/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$118,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,806
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$17,329
−HK$531/mo
Today · 4.125%
HK$17,860
baseline
▲ 0.50% · 4.625%
HK$18,947
+HK$1,087/mo
Deposit HK$1.58M · loan HK$3.69M · min. income ≈ HK$35,720/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,696
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$19,198
−HK$509/mo
Today · 4.125%
HK$19,707
baseline
▲ 0.50% · 4.625%
HK$20,745
+HK$1,038/mo
Deposit HK$1.58M · loan HK$3.69M · min. income ≈ HK$39,414/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,608
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$22,280
−HK$683/mo
Today · 4.125%
HK$22,963
baseline
▲ 0.50% · 4.625%
HK$24,360
+HK$1,397/mo
Deposit HK$526K · loan HK$4.74M · min. income ≈ HK$45,926/mo (50% DSR)
Upfront cash ≈ HK$645K (deposit + AVD stamp duty HK$118,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,038
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$24,683
−HK$654/mo
Today · 4.125%
HK$25,337
baseline
▲ 0.50% · 4.625%
HK$26,672
+HK$1,335/mo
Deposit HK$526K · loan HK$4.74M · min. income ≈ HK$50,674/mo (50% DSR)
Upfront cash ≈ HK$645K (deposit + AVD stamp duty HK$118,450 · 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).