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$12,039
−HK$755/mo
▼ 0.25% · 3.875%
HK$12,414
−HK$380/mo
Today · 4.125%
HK$12,794
baseline
▲ 0.50% · 4.625%
HK$13,573
+HK$779/mo
Deposit HK$2.64M · loan HK$2.64M · min. income ≈ HK$25,588/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$118,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,393
−HK$724/mo
▼ 0.25% · 3.875%
HK$13,753
−HK$364/mo
Today · 4.125%
HK$14,117
baseline
▲ 0.50% · 4.625%
HK$14,861
+HK$744/mo
Deposit HK$2.64M · loan HK$2.64M · min. income ≈ HK$28,234/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$118,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,447
−HK$906/mo
▼ 0.25% · 3.875%
HK$14,896
−HK$457/mo
Today · 4.125%
HK$15,353
baseline
▲ 0.50% · 4.625%
HK$16,287
+HK$934/mo
Deposit HK$2.11M · loan HK$3.17M · min. income ≈ HK$30,706/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,072
−HK$869/mo
▼ 0.25% · 3.875%
HK$16,503
−HK$438/mo
Today · 4.125%
HK$16,941
baseline
▲ 0.50% · 4.625%
HK$17,833
+HK$892/mo
Deposit HK$2.11M · loan HK$3.17M · min. income ≈ HK$33,882/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,855
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$17,379
−HK$533/mo
Today · 4.125%
HK$17,912
baseline
▲ 0.50% · 4.625%
HK$19,002
+HK$1,090/mo
Deposit HK$1.58M · loan HK$3.70M · min. income ≈ HK$35,824/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,751
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$19,254
−HK$510/mo
Today · 4.125%
HK$19,764
baseline
▲ 0.50% · 4.625%
HK$20,806
+HK$1,042/mo
Deposit HK$1.58M · loan HK$3.70M · min. income ≈ HK$39,528/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,671
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$22,345
−HK$685/mo
Today · 4.125%
HK$23,030
baseline
▲ 0.50% · 4.625%
HK$24,431
+HK$1,401/mo
Deposit HK$528K · loan HK$4.75M · min. income ≈ HK$46,060/mo (50% DSR)
Upfront cash ≈ HK$647K (deposit + AVD stamp duty HK$118,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,108
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$24,755
−HK$656/mo
Today · 4.125%
HK$25,411
baseline
▲ 0.50% · 4.625%
HK$26,750
+HK$1,339/mo
Deposit HK$528K · loan HK$4.75M · min. income ≈ HK$50,822/mo (50% DSR)
Upfront cash ≈ HK$647K (deposit + AVD stamp duty HK$118,795 · 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).