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$12,058
−HK$756/mo
▼ 0.25% · 3.875%
HK$12,433
−HK$381/mo
Today · 4.125%
HK$12,814
baseline
▲ 0.50% · 4.625%
HK$13,594
+HK$780/mo
Deposit HK$2.64M · loan HK$2.64M · min. income ≈ HK$25,628/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$118,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,414
−HK$725/mo
▼ 0.25% · 3.875%
HK$13,774
−HK$365/mo
Today · 4.125%
HK$14,139
baseline
▲ 0.50% · 4.625%
HK$14,884
+HK$745/mo
Deposit HK$2.64M · loan HK$2.64M · min. income ≈ HK$28,278/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$118,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,470
−HK$907/mo
▼ 0.25% · 3.875%
HK$14,920
−HK$457/mo
Today · 4.125%
HK$15,377
baseline
▲ 0.50% · 4.625%
HK$16,313
+HK$936/mo
Deposit HK$2.12M · loan HK$3.17M · min. income ≈ HK$30,754/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,097
−HK$870/mo
▼ 0.25% · 3.875%
HK$16,529
−HK$438/mo
Today · 4.125%
HK$16,967
baseline
▲ 0.50% · 4.625%
HK$17,861
+HK$894/mo
Deposit HK$2.12M · loan HK$3.17M · min. income ≈ HK$33,934/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,881
−HK$1,059/mo
▼ 0.25% · 3.875%
HK$17,406
−HK$534/mo
Today · 4.125%
HK$17,940
baseline
▲ 0.50% · 4.625%
HK$19,031
+HK$1,091/mo
Deposit HK$1.59M · loan HK$3.70M · min. income ≈ HK$35,880/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$118,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,780
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$19,284
−HK$511/mo
Today · 4.125%
HK$19,795
baseline
▲ 0.50% · 4.625%
HK$20,838
+HK$1,043/mo
Deposit HK$1.59M · loan HK$3.70M · min. income ≈ HK$39,590/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$118,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,704
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$22,380
−HK$685/mo
Today · 4.125%
HK$23,065
baseline
▲ 0.50% · 4.625%
HK$24,469
+HK$1,404/mo
Deposit HK$529K · loan HK$4.76M · min. income ≈ HK$46,130/mo (50% DSR)
Upfront cash ≈ HK$648K (deposit + AVD stamp duty HK$118,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,146
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$24,794
−HK$656/mo
Today · 4.125%
HK$25,450
baseline
▲ 0.50% · 4.625%
HK$26,792
+HK$1,342/mo
Deposit HK$529K · loan HK$4.76M · min. income ≈ HK$50,900/mo (50% DSR)
Upfront cash ≈ HK$648K (deposit + AVD stamp duty HK$118,981 · 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).