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$12,028
−HK$754/mo
▼ 0.25% · 3.875%
HK$12,402
−HK$380/mo
Today · 4.125%
HK$12,782
baseline
▲ 0.50% · 4.625%
HK$13,560
+HK$778/mo
Deposit HK$2.64M · loan HK$2.64M · min. income ≈ HK$25,564/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$118,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,381
−HK$723/mo
▼ 0.25% · 3.875%
HK$13,740
−HK$364/mo
Today · 4.125%
HK$14,104
baseline
▲ 0.50% · 4.625%
HK$14,847
+HK$743/mo
Deposit HK$2.64M · loan HK$2.64M · min. income ≈ HK$28,208/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$118,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,433
−HK$905/mo
▼ 0.25% · 3.875%
HK$14,882
−HK$456/mo
Today · 4.125%
HK$15,338
baseline
▲ 0.50% · 4.625%
HK$16,272
+HK$934/mo
Deposit HK$2.11M · loan HK$3.16M · min. income ≈ HK$30,676/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,057
−HK$867/mo
▼ 0.25% · 3.875%
HK$16,487
−HK$437/mo
Today · 4.125%
HK$16,924
baseline
▲ 0.50% · 4.625%
HK$17,816
+HK$892/mo
Deposit HK$2.11M · loan HK$3.16M · min. income ≈ HK$33,848/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,839
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$17,363
−HK$532/mo
Today · 4.125%
HK$17,895
baseline
▲ 0.50% · 4.625%
HK$18,984
+HK$1,089/mo
Deposit HK$1.58M · loan HK$3.69M · min. income ≈ HK$35,790/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,733
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$19,235
−HK$510/mo
Today · 4.125%
HK$19,745
baseline
▲ 0.50% · 4.625%
HK$20,786
+HK$1,041/mo
Deposit HK$1.58M · loan HK$3.69M · min. income ≈ HK$39,490/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,650
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$22,323
−HK$685/mo
Today · 4.125%
HK$23,008
baseline
▲ 0.50% · 4.625%
HK$24,407
+HK$1,399/mo
Deposit HK$527K · loan HK$4.75M · min. income ≈ HK$46,016/mo (50% DSR)
Upfront cash ≈ HK$646K (deposit + AVD stamp duty HK$118,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,085
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$24,731
−HK$656/mo
Today · 4.125%
HK$25,387
baseline
▲ 0.50% · 4.625%
HK$26,725
+HK$1,338/mo
Deposit HK$527K · loan HK$4.75M · min. income ≈ HK$50,774/mo (50% DSR)
Upfront cash ≈ HK$646K (deposit + AVD stamp duty HK$118,682 · 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).