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$12,064
−HK$757/mo
▼ 0.25% · 3.875%
HK$12,439
−HK$382/mo
Today · 4.125%
HK$12,821
baseline
▲ 0.50% · 4.625%
HK$13,601
+HK$780/mo
Deposit HK$2.65M · loan HK$2.65M · min. income ≈ HK$25,642/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$119,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,421
−HK$725/mo
▼ 0.25% · 3.875%
HK$13,781
−HK$365/mo
Today · 4.125%
HK$14,146
baseline
▲ 0.50% · 4.625%
HK$14,892
+HK$746/mo
Deposit HK$2.65M · loan HK$2.65M · min. income ≈ HK$28,292/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$119,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,477
−HK$908/mo
▼ 0.25% · 3.875%
HK$14,927
−HK$458/mo
Today · 4.125%
HK$15,385
baseline
▲ 0.50% · 4.625%
HK$16,321
+HK$936/mo
Deposit HK$2.12M · loan HK$3.17M · min. income ≈ HK$30,770/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,106
−HK$870/mo
▼ 0.25% · 3.875%
HK$16,537
−HK$439/mo
Today · 4.125%
HK$16,976
baseline
▲ 0.50% · 4.625%
HK$17,870
+HK$894/mo
Deposit HK$2.12M · loan HK$3.17M · min. income ≈ HK$33,952/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,890
−HK$1,059/mo
▼ 0.25% · 3.875%
HK$17,415
−HK$534/mo
Today · 4.125%
HK$17,949
baseline
▲ 0.50% · 4.625%
HK$19,041
+HK$1,092/mo
Deposit HK$1.59M · loan HK$3.70M · min. income ≈ HK$35,898/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,790
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$19,294
−HK$511/mo
Today · 4.125%
HK$19,805
baseline
▲ 0.50% · 4.625%
HK$20,849
+HK$1,044/mo
Deposit HK$1.59M · loan HK$3.70M · min. income ≈ HK$39,610/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,716
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$22,391
−HK$686/mo
Today · 4.125%
HK$23,077
baseline
▲ 0.50% · 4.625%
HK$24,481
+HK$1,404/mo
Deposit HK$529K · loan HK$4.76M · min. income ≈ HK$46,154/mo (50% DSR)
Upfront cash ≈ HK$648K (deposit + AVD stamp duty HK$119,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,158
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$24,806
−HK$658/mo
Today · 4.125%
HK$25,464
baseline
▲ 0.50% · 4.625%
HK$26,806
+HK$1,342/mo
Deposit HK$529K · loan HK$4.76M · min. income ≈ HK$50,928/mo (50% DSR)
Upfront cash ≈ HK$648K (deposit + AVD stamp duty HK$119,042 · 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).