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$12,009
−HK$753/mo
▼ 0.25% · 3.875%
HK$12,382
−HK$380/mo
Today · 4.125%
HK$12,762
baseline
▲ 0.50% · 4.625%
HK$13,538
+HK$776/mo
Deposit HK$2.63M · loan HK$2.63M · min. income ≈ HK$25,524/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$118,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,360
−HK$722/mo
▼ 0.25% · 3.875%
HK$13,718
−HK$364/mo
Today · 4.125%
HK$14,082
baseline
▲ 0.50% · 4.625%
HK$14,824
+HK$742/mo
Deposit HK$2.63M · loan HK$2.63M · min. income ≈ HK$28,164/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$118,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,411
−HK$903/mo
▼ 0.25% · 3.875%
HK$14,859
−HK$455/mo
Today · 4.125%
HK$15,314
baseline
▲ 0.50% · 4.625%
HK$16,246
+HK$932/mo
Deposit HK$2.11M · loan HK$3.16M · min. income ≈ HK$30,628/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,032
−HK$866/mo
▼ 0.25% · 3.875%
HK$16,462
−HK$436/mo
Today · 4.125%
HK$16,898
baseline
▲ 0.50% · 4.625%
HK$17,789
+HK$891/mo
Deposit HK$2.11M · loan HK$3.16M · min. income ≈ HK$33,796/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,812
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$17,335
−HK$532/mo
Today · 4.125%
HK$17,867
baseline
▲ 0.50% · 4.625%
HK$18,954
+HK$1,087/mo
Deposit HK$1.58M · loan HK$3.69M · min. income ≈ HK$35,734/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,704
−HK$1,010/mo
▼ 0.25% · 3.875%
HK$19,205
−HK$509/mo
Today · 4.125%
HK$19,714
baseline
▲ 0.50% · 4.625%
HK$20,753
+HK$1,039/mo
Deposit HK$1.58M · loan HK$3.69M · min. income ≈ HK$39,428/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,616
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$22,288
−HK$683/mo
Today · 4.125%
HK$22,971
baseline
▲ 0.50% · 4.625%
HK$24,369
+HK$1,398/mo
Deposit HK$527K · loan HK$4.74M · min. income ≈ HK$45,942/mo (50% DSR)
Upfront cash ≈ HK$645K (deposit + AVD stamp duty HK$118,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,048
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$24,692
−HK$655/mo
Today · 4.125%
HK$25,347
baseline
▲ 0.50% · 4.625%
HK$26,683
+HK$1,336/mo
Deposit HK$527K · loan HK$4.74M · min. income ≈ HK$50,694/mo (50% DSR)
Upfront cash ≈ HK$645K (deposit + AVD stamp duty HK$118,496 · 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).