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$12,076
−HK$757/mo
▼ 0.25% · 3.875%
HK$12,451
−HK$382/mo
Today · 4.125%
HK$12,833
baseline
▲ 0.50% · 4.625%
HK$13,614
+HK$781/mo
Deposit HK$2.65M · loan HK$2.65M · min. income ≈ HK$25,666/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$119,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,434
−HK$726/mo
▼ 0.25% · 3.875%
HK$13,794
−HK$366/mo
Today · 4.125%
HK$14,160
baseline
▲ 0.50% · 4.625%
HK$14,906
+HK$746/mo
Deposit HK$2.65M · loan HK$2.65M · min. income ≈ HK$28,320/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$119,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,491
−HK$909/mo
▼ 0.25% · 3.875%
HK$14,942
−HK$458/mo
Today · 4.125%
HK$15,400
baseline
▲ 0.50% · 4.625%
HK$16,337
+HK$937/mo
Deposit HK$2.12M · loan HK$3.18M · min. income ≈ HK$30,800/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,121
−HK$871/mo
▼ 0.25% · 3.875%
HK$16,553
−HK$439/mo
Today · 4.125%
HK$16,992
baseline
▲ 0.50% · 4.625%
HK$17,888
+HK$896/mo
Deposit HK$2.12M · loan HK$3.18M · min. income ≈ HK$33,984/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,906
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$17,432
−HK$534/mo
Today · 4.125%
HK$17,966
baseline
▲ 0.50% · 4.625%
HK$19,059
+HK$1,093/mo
Deposit HK$1.59M · loan HK$3.71M · min. income ≈ HK$35,932/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,808
−HK$1,016/mo
▼ 0.25% · 3.875%
HK$19,312
−HK$512/mo
Today · 4.125%
HK$19,824
baseline
▲ 0.50% · 4.625%
HK$20,869
+HK$1,045/mo
Deposit HK$1.59M · loan HK$3.71M · min. income ≈ HK$39,648/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,736
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$22,412
−HK$687/mo
Today · 4.125%
HK$23,099
baseline
▲ 0.50% · 4.625%
HK$24,505
+HK$1,406/mo
Deposit HK$530K · loan HK$4.77M · min. income ≈ HK$46,198/mo (50% DSR)
Upfront cash ≈ HK$649K (deposit + AVD stamp duty HK$119,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,181
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$24,830
−HK$658/mo
Today · 4.125%
HK$25,488
baseline
▲ 0.50% · 4.625%
HK$26,831
+HK$1,343/mo
Deposit HK$530K · loan HK$4.77M · min. income ≈ HK$50,976/mo (50% DSR)
Upfront cash ≈ HK$649K (deposit + AVD stamp duty HK$119,155 · 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).