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$12,048
−HK$755/mo
▼ 0.25% · 3.875%
HK$12,422
−HK$381/mo
Today · 4.125%
HK$12,803
baseline
▲ 0.50% · 4.625%
HK$13,582
+HK$779/mo
Deposit HK$2.64M · loan HK$2.64M · min. income ≈ HK$25,606/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$118,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,403
−HK$724/mo
▼ 0.25% · 3.875%
HK$13,762
−HK$365/mo
Today · 4.125%
HK$14,127
baseline
▲ 0.50% · 4.625%
HK$14,872
+HK$745/mo
Deposit HK$2.64M · loan HK$2.64M · min. income ≈ HK$28,254/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$118,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,457
−HK$907/mo
▼ 0.25% · 3.875%
HK$14,907
−HK$457/mo
Today · 4.125%
HK$15,364
baseline
▲ 0.50% · 4.625%
HK$16,299
+HK$935/mo
Deposit HK$2.11M · loan HK$3.17M · min. income ≈ HK$30,728/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,084
−HK$868/mo
▼ 0.25% · 3.875%
HK$16,515
−HK$437/mo
Today · 4.125%
HK$16,952
baseline
▲ 0.50% · 4.625%
HK$17,846
+HK$894/mo
Deposit HK$2.11M · loan HK$3.17M · min. income ≈ HK$33,904/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,867
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$17,391
−HK$533/mo
Today · 4.125%
HK$17,924
baseline
▲ 0.50% · 4.625%
HK$19,015
+HK$1,091/mo
Deposit HK$1.59M · loan HK$3.70M · min. income ≈ HK$35,848/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,764
−HK$1,014/mo
▼ 0.25% · 3.875%
HK$19,267
−HK$511/mo
Today · 4.125%
HK$19,778
baseline
▲ 0.50% · 4.625%
HK$20,820
+HK$1,042/mo
Deposit HK$1.59M · loan HK$3.70M · min. income ≈ HK$39,556/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,686
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$22,360
−HK$686/mo
Today · 4.125%
HK$23,046
baseline
▲ 0.50% · 4.625%
HK$24,448
+HK$1,402/mo
Deposit HK$528K · loan HK$4.76M · min. income ≈ HK$46,092/mo (50% DSR)
Upfront cash ≈ HK$647K (deposit + AVD stamp duty HK$118,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,125
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$24,772
−HK$657/mo
Today · 4.125%
HK$25,429
baseline
▲ 0.50% · 4.625%
HK$26,769
+HK$1,340/mo
Deposit HK$528K · loan HK$4.76M · min. income ≈ HK$50,858/mo (50% DSR)
Upfront cash ≈ HK$647K (deposit + AVD stamp duty HK$118,879 · 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).