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$12,081
−HK$758/mo
▼ 0.25% · 3.875%
HK$12,457
−HK$382/mo
Today · 4.125%
HK$12,839
baseline
▲ 0.50% · 4.625%
HK$13,620
+HK$781/mo
Deposit HK$2.65M · loan HK$2.65M · min. income ≈ HK$25,678/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$119,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,440
−HK$727/mo
▼ 0.25% · 3.875%
HK$13,801
−HK$366/mo
Today · 4.125%
HK$14,167
baseline
▲ 0.50% · 4.625%
HK$14,913
+HK$746/mo
Deposit HK$2.65M · loan HK$2.65M · min. income ≈ HK$28,334/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$119,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,498
−HK$909/mo
▼ 0.25% · 3.875%
HK$14,949
−HK$458/mo
Today · 4.125%
HK$15,407
baseline
▲ 0.50% · 4.625%
HK$16,344
+HK$937/mo
Deposit HK$2.12M · loan HK$3.18M · min. income ≈ HK$30,814/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,129
−HK$871/mo
▼ 0.25% · 3.875%
HK$16,561
−HK$439/mo
Today · 4.125%
HK$17,000
baseline
▲ 0.50% · 4.625%
HK$17,896
+HK$896/mo
Deposit HK$2.12M · loan HK$3.18M · min. income ≈ HK$34,000/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,914
−HK$1,061/mo
▼ 0.25% · 3.875%
HK$17,440
−HK$535/mo
Today · 4.125%
HK$17,975
baseline
▲ 0.50% · 4.625%
HK$19,068
+HK$1,093/mo
Deposit HK$1.59M · loan HK$3.71M · min. income ≈ HK$35,950/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,817
−HK$1,016/mo
▼ 0.25% · 3.875%
HK$19,321
−HK$512/mo
Today · 4.125%
HK$19,833
baseline
▲ 0.50% · 4.625%
HK$20,879
+HK$1,046/mo
Deposit HK$1.59M · loan HK$3.71M · min. income ≈ HK$39,666/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,747
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$22,423
−HK$687/mo
Today · 4.125%
HK$23,110
baseline
▲ 0.50% · 4.625%
HK$24,516
+HK$1,406/mo
Deposit HK$530K · loan HK$4.77M · min. income ≈ HK$46,220/mo (50% DSR)
Upfront cash ≈ HK$649K (deposit + AVD stamp duty HK$119,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,193
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$24,842
−HK$658/mo
Today · 4.125%
HK$25,500
baseline
▲ 0.50% · 4.625%
HK$26,844
+HK$1,344/mo
Deposit HK$530K · loan HK$4.77M · min. income ≈ HK$51,000/mo (50% DSR)
Upfront cash ≈ HK$649K (deposit + AVD stamp duty HK$119,212 · 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).