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$12,014
−HK$754/mo
▼ 0.25% · 3.875%
HK$12,388
−HK$380/mo
Today · 4.125%
HK$12,768
baseline
▲ 0.50% · 4.625%
HK$13,545
+HK$777/mo
Deposit HK$2.63M · loan HK$2.63M · min. income ≈ HK$25,536/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$118,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,366
−HK$722/mo
▼ 0.25% · 3.875%
HK$13,724
−HK$364/mo
Today · 4.125%
HK$14,088
baseline
▲ 0.50% · 4.625%
HK$14,831
+HK$743/mo
Deposit HK$2.63M · loan HK$2.63M · min. income ≈ HK$28,176/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$118,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,417
−HK$904/mo
▼ 0.25% · 3.875%
HK$14,866
−HK$455/mo
Today · 4.125%
HK$15,321
baseline
▲ 0.50% · 4.625%
HK$16,254
+HK$933/mo
Deposit HK$2.11M · loan HK$3.16M · min. income ≈ HK$30,642/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,039
−HK$867/mo
▼ 0.25% · 3.875%
HK$16,469
−HK$437/mo
Today · 4.125%
HK$16,906
baseline
▲ 0.50% · 4.625%
HK$17,797
+HK$891/mo
Deposit HK$2.11M · loan HK$3.16M · min. income ≈ HK$33,812/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,820
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$17,343
−HK$532/mo
Today · 4.125%
HK$17,875
baseline
▲ 0.50% · 4.625%
HK$18,963
+HK$1,088/mo
Deposit HK$1.58M · loan HK$3.69M · min. income ≈ HK$35,750/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,712
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$19,214
−HK$509/mo
Today · 4.125%
HK$19,723
baseline
▲ 0.50% · 4.625%
HK$20,763
+HK$1,040/mo
Deposit HK$1.58M · loan HK$3.69M · min. income ≈ HK$39,446/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,626
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$22,299
−HK$683/mo
Today · 4.125%
HK$22,982
baseline
▲ 0.50% · 4.625%
HK$24,380
+HK$1,398/mo
Deposit HK$527K · loan HK$4.74M · min. income ≈ HK$45,964/mo (50% DSR)
Upfront cash ≈ HK$645K (deposit + AVD stamp duty HK$118,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,059
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$24,704
−HK$654/mo
Today · 4.125%
HK$25,358
baseline
▲ 0.50% · 4.625%
HK$26,695
+HK$1,337/mo
Deposit HK$527K · loan HK$4.74M · min. income ≈ HK$50,716/mo (50% DSR)
Upfront cash ≈ HK$645K (deposit + AVD stamp duty HK$118,550 · 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).