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$12,004
−HK$752/mo
▼ 0.25% · 3.875%
HK$12,377
−HK$379/mo
Today · 4.125%
HK$12,756
baseline
▲ 0.50% · 4.625%
HK$13,533
+HK$777/mo
Deposit HK$2.63M · loan HK$2.63M · min. income ≈ HK$25,512/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$118,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,354
−HK$721/mo
▼ 0.25% · 3.875%
HK$13,712
−HK$363/mo
Today · 4.125%
HK$14,075
baseline
▲ 0.50% · 4.625%
HK$14,817
+HK$742/mo
Deposit HK$2.63M · loan HK$2.63M · min. income ≈ HK$28,150/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$118,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,404
−HK$904/mo
▼ 0.25% · 3.875%
HK$14,852
−HK$456/mo
Today · 4.125%
HK$15,308
baseline
▲ 0.50% · 4.625%
HK$16,239
+HK$931/mo
Deposit HK$2.11M · loan HK$3.16M · min. income ≈ HK$30,616/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$118,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,025
−HK$865/mo
▼ 0.25% · 3.875%
HK$16,454
−HK$436/mo
Today · 4.125%
HK$16,890
baseline
▲ 0.50% · 4.625%
HK$17,781
+HK$891/mo
Deposit HK$2.11M · loan HK$3.16M · min. income ≈ HK$33,780/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$118,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,805
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$17,328
−HK$531/mo
Today · 4.125%
HK$17,859
baseline
▲ 0.50% · 4.625%
HK$18,946
+HK$1,087/mo
Deposit HK$1.58M · loan HK$3.68M · min. income ≈ HK$35,718/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,695
−HK$1,010/mo
▼ 0.25% · 3.875%
HK$19,197
−HK$508/mo
Today · 4.125%
HK$19,705
baseline
▲ 0.50% · 4.625%
HK$20,744
+HK$1,039/mo
Deposit HK$1.58M · loan HK$3.68M · min. income ≈ HK$39,410/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,606
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$22,279
−HK$682/mo
Today · 4.125%
HK$22,961
baseline
▲ 0.50% · 4.625%
HK$24,359
+HK$1,398/mo
Deposit HK$526K · loan HK$4.74M · min. income ≈ HK$45,922/mo (50% DSR)
Upfront cash ≈ HK$645K (deposit + AVD stamp duty HK$118,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,037
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$24,682
−HK$654/mo
Today · 4.125%
HK$25,336
baseline
▲ 0.50% · 4.625%
HK$26,671
+HK$1,335/mo
Deposit HK$526K · loan HK$4.74M · min. income ≈ HK$50,672/mo (50% DSR)
Upfront cash ≈ HK$645K (deposit + AVD stamp duty HK$118,444 · 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).