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$12,033
−HK$755/mo
▼ 0.25% · 3.875%
HK$12,408
−HK$380/mo
Today · 4.125%
HK$12,788
baseline
▲ 0.50% · 4.625%
HK$13,566
+HK$778/mo
Deposit HK$2.64M · loan HK$2.64M · min. income ≈ HK$25,576/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$118,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,387
−HK$723/mo
▼ 0.25% · 3.875%
HK$13,746
−HK$364/mo
Today · 4.125%
HK$14,110
baseline
▲ 0.50% · 4.625%
HK$14,854
+HK$744/mo
Deposit HK$2.64M · loan HK$2.64M · min. income ≈ HK$28,220/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$118,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,440
−HK$905/mo
▼ 0.25% · 3.875%
HK$14,889
−HK$456/mo
Today · 4.125%
HK$15,345
baseline
▲ 0.50% · 4.625%
HK$16,279
+HK$934/mo
Deposit HK$2.11M · loan HK$3.17M · min. income ≈ HK$30,690/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,064
−HK$868/mo
▼ 0.25% · 3.875%
HK$16,495
−HK$437/mo
Today · 4.125%
HK$16,932
baseline
▲ 0.50% · 4.625%
HK$17,825
+HK$893/mo
Deposit HK$2.11M · loan HK$3.17M · min. income ≈ HK$33,864/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,847
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$17,371
−HK$532/mo
Today · 4.125%
HK$17,903
baseline
▲ 0.50% · 4.625%
HK$18,992
+HK$1,089/mo
Deposit HK$1.58M · loan HK$3.69M · min. income ≈ HK$35,806/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,742
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$19,244
−HK$510/mo
Today · 4.125%
HK$19,754
baseline
▲ 0.50% · 4.625%
HK$20,796
+HK$1,042/mo
Deposit HK$1.58M · loan HK$3.69M · min. income ≈ HK$39,508/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,660
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$22,334
−HK$684/mo
Today · 4.125%
HK$23,018
baseline
▲ 0.50% · 4.625%
HK$24,419
+HK$1,401/mo
Deposit HK$528K · loan HK$4.75M · min. income ≈ HK$46,036/mo (50% DSR)
Upfront cash ≈ HK$646K (deposit + AVD stamp duty HK$118,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,096
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$24,743
−HK$655/mo
Today · 4.125%
HK$25,398
baseline
▲ 0.50% · 4.625%
HK$26,737
+HK$1,339/mo
Deposit HK$528K · loan HK$4.75M · min. income ≈ HK$50,796/mo (50% DSR)
Upfront cash ≈ HK$646K (deposit + AVD stamp duty HK$118,737 · 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).