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$12,046
−HK$755/mo
▼ 0.25% · 3.875%
HK$12,420
−HK$381/mo
Today · 4.125%
HK$12,801
baseline
▲ 0.50% · 4.625%
HK$13,580
+HK$779/mo
Deposit HK$2.64M · loan HK$2.64M · min. income ≈ HK$25,602/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$118,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,401
−HK$724/mo
▼ 0.25% · 3.875%
HK$13,760
−HK$365/mo
Today · 4.125%
HK$14,125
baseline
▲ 0.50% · 4.625%
HK$14,869
+HK$744/mo
Deposit HK$2.64M · loan HK$2.64M · min. income ≈ HK$28,250/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$118,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,455
−HK$906/mo
▼ 0.25% · 3.875%
HK$14,904
−HK$457/mo
Today · 4.125%
HK$15,361
baseline
▲ 0.50% · 4.625%
HK$16,296
+HK$935/mo
Deposit HK$2.11M · loan HK$3.17M · min. income ≈ HK$30,722/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,081
−HK$869/mo
▼ 0.25% · 3.875%
HK$16,512
−HK$438/mo
Today · 4.125%
HK$16,950
baseline
▲ 0.50% · 4.625%
HK$17,843
+HK$893/mo
Deposit HK$2.11M · loan HK$3.17M · min. income ≈ HK$33,900/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,864
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$17,388
−HK$533/mo
Today · 4.125%
HK$17,921
baseline
▲ 0.50% · 4.625%
HK$19,012
+HK$1,091/mo
Deposit HK$1.58M · loan HK$3.70M · min. income ≈ HK$35,842/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,761
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$19,264
−HK$510/mo
Today · 4.125%
HK$19,774
baseline
▲ 0.50% · 4.625%
HK$20,817
+HK$1,043/mo
Deposit HK$1.58M · loan HK$3.70M · min. income ≈ HK$39,548/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,682
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$22,357
−HK$685/mo
Today · 4.125%
HK$23,042
baseline
▲ 0.50% · 4.625%
HK$24,444
+HK$1,402/mo
Deposit HK$528K · loan HK$4.75M · min. income ≈ HK$46,084/mo (50% DSR)
Upfront cash ≈ HK$647K (deposit + AVD stamp duty HK$118,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,121
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$24,768
−HK$656/mo
Today · 4.125%
HK$25,424
baseline
▲ 0.50% · 4.625%
HK$26,764
+HK$1,340/mo
Deposit HK$528K · loan HK$4.75M · min. income ≈ HK$50,848/mo (50% DSR)
Upfront cash ≈ HK$647K (deposit + AVD stamp duty HK$118,858 · 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).