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$12,015
−HK$754/mo
▼ 0.25% · 3.875%
HK$12,389
−HK$380/mo
Today · 4.125%
HK$12,769
baseline
▲ 0.50% · 4.625%
HK$13,546
+HK$777/mo
Deposit HK$2.63M · loan HK$2.63M · min. income ≈ HK$25,538/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$118,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,367
−HK$722/mo
▼ 0.25% · 3.875%
HK$13,725
−HK$364/mo
Today · 4.125%
HK$14,089
baseline
▲ 0.50% · 4.625%
HK$14,832
+HK$743/mo
Deposit HK$2.63M · loan HK$2.63M · min. income ≈ HK$28,178/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$118,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,418
−HK$904/mo
▼ 0.25% · 3.875%
HK$14,867
−HK$455/mo
Today · 4.125%
HK$15,322
baseline
▲ 0.50% · 4.625%
HK$16,255
+HK$933/mo
Deposit HK$2.11M · loan HK$3.16M · min. income ≈ HK$30,644/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,040
−HK$867/mo
▼ 0.25% · 3.875%
HK$16,470
−HK$437/mo
Today · 4.125%
HK$16,907
baseline
▲ 0.50% · 4.625%
HK$17,798
+HK$891/mo
Deposit HK$2.11M · loan HK$3.16M · min. income ≈ HK$33,814/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,821
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$17,344
−HK$532/mo
Today · 4.125%
HK$17,876
baseline
▲ 0.50% · 4.625%
HK$18,964
+HK$1,088/mo
Deposit HK$1.58M · loan HK$3.69M · min. income ≈ HK$35,752/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,713
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$19,215
−HK$509/mo
Today · 4.125%
HK$19,724
baseline
▲ 0.50% · 4.625%
HK$20,764
+HK$1,040/mo
Deposit HK$1.58M · loan HK$3.69M · min. income ≈ HK$39,448/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,627
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$22,300
−HK$684/mo
Today · 4.125%
HK$22,984
baseline
▲ 0.50% · 4.625%
HK$24,382
+HK$1,398/mo
Deposit HK$527K · loan HK$4.74M · min. income ≈ HK$45,968/mo (50% DSR)
Upfront cash ≈ HK$645K (deposit + AVD stamp duty HK$118,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,060
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$24,705
−HK$655/mo
Today · 4.125%
HK$25,360
baseline
▲ 0.50% · 4.625%
HK$26,697
+HK$1,337/mo
Deposit HK$527K · loan HK$4.74M · min. income ≈ HK$50,720/mo (50% DSR)
Upfront cash ≈ HK$645K (deposit + AVD stamp duty HK$118,558 · 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).