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$12,051
−HK$756/mo
▼ 0.25% · 3.875%
HK$12,426
−HK$381/mo
Today · 4.125%
HK$12,807
baseline
▲ 0.50% · 4.625%
HK$13,586
+HK$779/mo
Deposit HK$2.64M · loan HK$2.64M · min. income ≈ HK$25,614/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$118,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,407
−HK$724/mo
▼ 0.25% · 3.875%
HK$13,767
−HK$364/mo
Today · 4.125%
HK$14,131
baseline
▲ 0.50% · 4.625%
HK$14,876
+HK$745/mo
Deposit HK$2.64M · loan HK$2.64M · min. income ≈ HK$28,262/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$118,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,462
−HK$907/mo
▼ 0.25% · 3.875%
HK$14,912
−HK$457/mo
Today · 4.125%
HK$15,369
baseline
▲ 0.50% · 4.625%
HK$16,304
+HK$935/mo
Deposit HK$2.11M · loan HK$3.17M · min. income ≈ HK$30,738/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,089
−HK$869/mo
▼ 0.25% · 3.875%
HK$16,520
−HK$438/mo
Today · 4.125%
HK$16,958
baseline
▲ 0.50% · 4.625%
HK$17,852
+HK$894/mo
Deposit HK$2.11M · loan HK$3.17M · min. income ≈ HK$33,916/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,872
−HK$1,058/mo
▼ 0.25% · 3.875%
HK$17,397
−HK$533/mo
Today · 4.125%
HK$17,930
baseline
▲ 0.50% · 4.625%
HK$19,021
+HK$1,091/mo
Deposit HK$1.59M · loan HK$3.70M · min. income ≈ HK$35,860/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,770
−HK$1,014/mo
▼ 0.25% · 3.875%
HK$19,273
−HK$511/mo
Today · 4.125%
HK$19,784
baseline
▲ 0.50% · 4.625%
HK$20,827
+HK$1,043/mo
Deposit HK$1.59M · loan HK$3.70M · min. income ≈ HK$39,568/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,693
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$22,367
−HK$686/mo
Today · 4.125%
HK$23,053
baseline
▲ 0.50% · 4.625%
HK$24,456
+HK$1,403/mo
Deposit HK$529K · loan HK$4.76M · min. income ≈ HK$46,106/mo (50% DSR)
Upfront cash ≈ HK$647K (deposit + AVD stamp duty HK$118,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,133
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$24,780
−HK$657/mo
Today · 4.125%
HK$25,437
baseline
▲ 0.50% · 4.625%
HK$26,777
+HK$1,340/mo
Deposit HK$529K · loan HK$4.76M · min. income ≈ HK$50,874/mo (50% DSR)
Upfront cash ≈ HK$647K (deposit + AVD stamp duty HK$118,916 · 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).