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$12,056
−HK$756/mo
▼ 0.25% · 3.875%
HK$12,431
−HK$381/mo
Today · 4.125%
HK$12,812
baseline
▲ 0.50% · 4.625%
HK$13,592
+HK$780/mo
Deposit HK$2.64M · loan HK$2.64M · min. income ≈ HK$25,624/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$118,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,413
−HK$724/mo
▼ 0.25% · 3.875%
HK$13,772
−HK$365/mo
Today · 4.125%
HK$14,137
baseline
▲ 0.50% · 4.625%
HK$14,882
+HK$745/mo
Deposit HK$2.64M · loan HK$2.64M · min. income ≈ HK$28,274/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$118,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,468
−HK$907/mo
▼ 0.25% · 3.875%
HK$14,918
−HK$457/mo
Today · 4.125%
HK$15,375
baseline
▲ 0.50% · 4.625%
HK$16,310
+HK$935/mo
Deposit HK$2.11M · loan HK$3.17M · min. income ≈ HK$30,750/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,095
−HK$870/mo
▼ 0.25% · 3.875%
HK$16,527
−HK$438/mo
Today · 4.125%
HK$16,965
baseline
▲ 0.50% · 4.625%
HK$17,859
+HK$894/mo
Deposit HK$2.11M · loan HK$3.17M · min. income ≈ HK$33,930/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,879
−HK$1,058/mo
▼ 0.25% · 3.875%
HK$17,404
−HK$533/mo
Today · 4.125%
HK$17,937
baseline
▲ 0.50% · 4.625%
HK$19,029
+HK$1,092/mo
Deposit HK$1.59M · loan HK$3.70M · min. income ≈ HK$35,874/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$118,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,778
−HK$1,014/mo
▼ 0.25% · 3.875%
HK$19,281
−HK$511/mo
Today · 4.125%
HK$19,792
baseline
▲ 0.50% · 4.625%
HK$20,835
+HK$1,043/mo
Deposit HK$1.59M · loan HK$3.70M · min. income ≈ HK$39,584/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$118,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,701
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$22,377
−HK$685/mo
Today · 4.125%
HK$23,062
baseline
▲ 0.50% · 4.625%
HK$24,466
+HK$1,404/mo
Deposit HK$529K · loan HK$4.76M · min. income ≈ HK$46,124/mo (50% DSR)
Upfront cash ≈ HK$648K (deposit + AVD stamp duty HK$118,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,143
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$24,790
−HK$657/mo
Today · 4.125%
HK$25,447
baseline
▲ 0.50% · 4.625%
HK$26,788
+HK$1,341/mo
Deposit HK$529K · loan HK$4.76M · min. income ≈ HK$50,894/mo (50% DSR)
Upfront cash ≈ HK$648K (deposit + AVD stamp duty HK$118,965 · 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).