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$12,035
−HK$755/mo
▼ 0.25% · 3.875%
HK$12,410
−HK$380/mo
Today · 4.125%
HK$12,790
baseline
▲ 0.50% · 4.625%
HK$13,568
+HK$778/mo
Deposit HK$2.64M · loan HK$2.64M · min. income ≈ HK$25,580/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$118,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,389
−HK$723/mo
▼ 0.25% · 3.875%
HK$13,748
−HK$364/mo
Today · 4.125%
HK$14,112
baseline
▲ 0.50% · 4.625%
HK$14,856
+HK$744/mo
Deposit HK$2.64M · loan HK$2.64M · min. income ≈ HK$28,224/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$118,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,442
−HK$906/mo
▼ 0.25% · 3.875%
HK$14,892
−HK$456/mo
Today · 4.125%
HK$15,348
baseline
▲ 0.50% · 4.625%
HK$16,282
+HK$934/mo
Deposit HK$2.11M · loan HK$3.17M · min. income ≈ HK$30,696/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,067
−HK$868/mo
▼ 0.25% · 3.875%
HK$16,498
−HK$437/mo
Today · 4.125%
HK$16,935
baseline
▲ 0.50% · 4.625%
HK$17,828
+HK$893/mo
Deposit HK$2.11M · loan HK$3.17M · min. income ≈ HK$33,870/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,849
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$17,373
−HK$533/mo
Today · 4.125%
HK$17,906
baseline
▲ 0.50% · 4.625%
HK$18,995
+HK$1,089/mo
Deposit HK$1.58M · loan HK$3.69M · min. income ≈ HK$35,812/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,745
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$19,247
−HK$510/mo
Today · 4.125%
HK$19,757
baseline
▲ 0.50% · 4.625%
HK$20,799
+HK$1,042/mo
Deposit HK$1.58M · loan HK$3.69M · min. income ≈ HK$39,514/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,663
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$22,337
−HK$685/mo
Today · 4.125%
HK$23,022
baseline
▲ 0.50% · 4.625%
HK$24,423
+HK$1,401/mo
Deposit HK$528K · loan HK$4.75M · min. income ≈ HK$46,044/mo (50% DSR)
Upfront cash ≈ HK$647K (deposit + AVD stamp duty HK$118,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,100
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$24,747
−HK$655/mo
Today · 4.125%
HK$25,402
baseline
▲ 0.50% · 4.625%
HK$26,741
+HK$1,339/mo
Deposit HK$528K · loan HK$4.75M · min. income ≈ HK$50,804/mo (50% DSR)
Upfront cash ≈ HK$647K (deposit + AVD stamp duty HK$118,756 · 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).