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$12,119
−HK$759/mo
▼ 0.25% · 3.875%
HK$12,495
−HK$383/mo
Today · 4.125%
HK$12,878
baseline
▲ 0.50% · 4.625%
HK$13,662
+HK$784/mo
Deposit HK$2.66M · loan HK$2.66M · min. income ≈ HK$25,756/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$119,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,482
−HK$728/mo
▼ 0.25% · 3.875%
HK$13,843
−HK$367/mo
Today · 4.125%
HK$14,210
baseline
▲ 0.50% · 4.625%
HK$14,959
+HK$749/mo
Deposit HK$2.66M · loan HK$2.66M · min. income ≈ HK$28,420/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$119,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,542
−HK$912/mo
▼ 0.25% · 3.875%
HK$14,995
−HK$459/mo
Today · 4.125%
HK$15,454
baseline
▲ 0.50% · 4.625%
HK$16,394
+HK$940/mo
Deposit HK$2.13M · loan HK$3.19M · min. income ≈ HK$30,908/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$119,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,178
−HK$874/mo
▼ 0.25% · 3.875%
HK$16,612
−HK$440/mo
Today · 4.125%
HK$17,052
baseline
▲ 0.50% · 4.625%
HK$17,951
+HK$899/mo
Deposit HK$2.13M · loan HK$3.19M · min. income ≈ HK$34,104/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$119,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,966
−HK$1,064/mo
▼ 0.25% · 3.875%
HK$17,494
−HK$536/mo
Today · 4.125%
HK$18,030
baseline
▲ 0.50% · 4.625%
HK$19,127
+HK$1,097/mo
Deposit HK$1.59M · loan HK$3.72M · min. income ≈ HK$36,060/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,874
−HK$1,020/mo
▼ 0.25% · 3.875%
HK$19,381
−HK$513/mo
Today · 4.125%
HK$19,894
baseline
▲ 0.50% · 4.625%
HK$20,943
+HK$1,049/mo
Deposit HK$1.59M · loan HK$3.72M · min. income ≈ HK$39,788/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,813
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$22,492
−HK$689/mo
Today · 4.125%
HK$23,181
baseline
▲ 0.50% · 4.625%
HK$24,592
+HK$1,411/mo
Deposit HK$531K · loan HK$4.78M · min. income ≈ HK$46,362/mo (50% DSR)
Upfront cash ≈ HK$651K (deposit + AVD stamp duty HK$119,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,267
−HK$1,311/mo
▼ 0.25% · 3.875%
HK$24,918
−HK$660/mo
Today · 4.125%
HK$25,578
baseline
▲ 0.50% · 4.625%
HK$26,926
+HK$1,348/mo
Deposit HK$531K · loan HK$4.78M · min. income ≈ HK$51,156/mo (50% DSR)
Upfront cash ≈ HK$651K (deposit + AVD stamp duty HK$119,578 · 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).