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$12,089
−HK$758/mo
▼ 0.25% · 3.875%
HK$12,465
−HK$382/mo
Today · 4.125%
HK$12,847
baseline
▲ 0.50% · 4.625%
HK$13,629
+HK$782/mo
Deposit HK$2.65M · loan HK$2.65M · min. income ≈ HK$25,694/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$119,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,449
−HK$727/mo
▼ 0.25% · 3.875%
HK$13,810
−HK$366/mo
Today · 4.125%
HK$14,176
baseline
▲ 0.50% · 4.625%
HK$14,923
+HK$747/mo
Deposit HK$2.65M · loan HK$2.65M · min. income ≈ HK$28,352/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$119,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,507
−HK$910/mo
▼ 0.25% · 3.875%
HK$14,958
−HK$459/mo
Today · 4.125%
HK$15,417
baseline
▲ 0.50% · 4.625%
HK$16,355
+HK$938/mo
Deposit HK$2.12M · loan HK$3.18M · min. income ≈ HK$30,834/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,139
−HK$872/mo
▼ 0.25% · 3.875%
HK$16,572
−HK$439/mo
Today · 4.125%
HK$17,011
baseline
▲ 0.50% · 4.625%
HK$17,907
+HK$896/mo
Deposit HK$2.12M · loan HK$3.18M · min. income ≈ HK$34,022/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,925
−HK$1,061/mo
▼ 0.25% · 3.875%
HK$17,451
−HK$535/mo
Today · 4.125%
HK$17,986
baseline
▲ 0.50% · 4.625%
HK$19,080
+HK$1,094/mo
Deposit HK$1.59M · loan HK$3.71M · min. income ≈ HK$35,972/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,829
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$19,333
−HK$513/mo
Today · 4.125%
HK$19,846
baseline
▲ 0.50% · 4.625%
HK$20,892
+HK$1,046/mo
Deposit HK$1.59M · loan HK$3.71M · min. income ≈ HK$39,692/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,760
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$22,437
−HK$688/mo
Today · 4.125%
HK$23,125
baseline
▲ 0.50% · 4.625%
HK$24,532
+HK$1,407/mo
Deposit HK$530K · loan HK$4.77M · min. income ≈ HK$46,250/mo (50% DSR)
Upfront cash ≈ HK$649K (deposit + AVD stamp duty HK$119,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,208
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$24,857
−HK$659/mo
Today · 4.125%
HK$25,516
baseline
▲ 0.50% · 4.625%
HK$26,861
+HK$1,345/mo
Deposit HK$530K · loan HK$4.77M · min. income ≈ HK$51,032/mo (50% DSR)
Upfront cash ≈ HK$649K (deposit + AVD stamp duty HK$119,287 · 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).