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$12,030
−HK$755/mo
▼ 0.25% · 3.875%
HK$12,405
−HK$380/mo
Today · 4.125%
HK$12,785
baseline
▲ 0.50% · 4.625%
HK$13,563
+HK$778/mo
Deposit HK$2.64M · loan HK$2.64M · min. income ≈ HK$25,570/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$118,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,384
−HK$723/mo
▼ 0.25% · 3.875%
HK$13,743
−HK$364/mo
Today · 4.125%
HK$14,107
baseline
▲ 0.50% · 4.625%
HK$14,850
+HK$743/mo
Deposit HK$2.64M · loan HK$2.64M · min. income ≈ HK$28,214/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$118,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,436
−HK$906/mo
▼ 0.25% · 3.875%
HK$14,886
−HK$456/mo
Today · 4.125%
HK$15,342
baseline
▲ 0.50% · 4.625%
HK$16,275
+HK$933/mo
Deposit HK$2.11M · loan HK$3.17M · min. income ≈ HK$30,684/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,060
−HK$868/mo
▼ 0.25% · 3.875%
HK$16,491
−HK$437/mo
Today · 4.125%
HK$16,928
baseline
▲ 0.50% · 4.625%
HK$17,820
+HK$892/mo
Deposit HK$2.11M · loan HK$3.17M · min. income ≈ HK$33,856/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,843
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$17,366
−HK$533/mo
Today · 4.125%
HK$17,899
baseline
▲ 0.50% · 4.625%
HK$18,988
+HK$1,089/mo
Deposit HK$1.58M · loan HK$3.69M · min. income ≈ HK$35,798/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,737
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$19,240
−HK$509/mo
Today · 4.125%
HK$19,749
baseline
▲ 0.50% · 4.625%
HK$20,790
+HK$1,041/mo
Deposit HK$1.58M · loan HK$3.69M · min. income ≈ HK$39,498/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,655
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$22,328
−HK$685/mo
Today · 4.125%
HK$23,013
baseline
▲ 0.50% · 4.625%
HK$24,413
+HK$1,400/mo
Deposit HK$528K · loan HK$4.75M · min. income ≈ HK$46,026/mo (50% DSR)
Upfront cash ≈ HK$646K (deposit + AVD stamp duty HK$118,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,091
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$24,737
−HK$655/mo
Today · 4.125%
HK$25,392
baseline
▲ 0.50% · 4.625%
HK$26,731
+HK$1,339/mo
Deposit HK$528K · loan HK$4.75M · min. income ≈ HK$50,784/mo (50% DSR)
Upfront cash ≈ HK$646K (deposit + AVD stamp duty HK$118,708 · 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).