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$12,001
−HK$753/mo
▼ 0.25% · 3.875%
HK$12,374
−HK$380/mo
Today · 4.125%
HK$12,754
baseline
▲ 0.50% · 4.625%
HK$13,530
+HK$776/mo
Deposit HK$2.63M · loan HK$2.63M · min. income ≈ HK$25,508/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$118,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,351
−HK$721/mo
▼ 0.25% · 3.875%
HK$13,709
−HK$363/mo
Today · 4.125%
HK$14,072
baseline
▲ 0.50% · 4.625%
HK$14,814
+HK$742/mo
Deposit HK$2.63M · loan HK$2.63M · min. income ≈ HK$28,144/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$118,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,401
−HK$903/mo
▼ 0.25% · 3.875%
HK$14,849
−HK$455/mo
Today · 4.125%
HK$15,304
baseline
▲ 0.50% · 4.625%
HK$16,235
+HK$931/mo
Deposit HK$2.11M · loan HK$3.16M · min. income ≈ HK$30,608/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$118,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,021
−HK$866/mo
▼ 0.25% · 3.875%
HK$16,451
−HK$436/mo
Today · 4.125%
HK$16,887
baseline
▲ 0.50% · 4.625%
HK$17,777
+HK$890/mo
Deposit HK$2.11M · loan HK$3.16M · min. income ≈ HK$33,774/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$118,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,801
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$17,324
−HK$531/mo
Today · 4.125%
HK$17,855
baseline
▲ 0.50% · 4.625%
HK$18,941
+HK$1,086/mo
Deposit HK$1.58M · loan HK$3.68M · min. income ≈ HK$35,710/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,691
−HK$1,010/mo
▼ 0.25% · 3.875%
HK$19,193
−HK$508/mo
Today · 4.125%
HK$19,701
baseline
▲ 0.50% · 4.625%
HK$20,740
+HK$1,039/mo
Deposit HK$1.58M · loan HK$3.68M · min. income ≈ HK$39,402/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,602
−HK$1,354/mo
▼ 0.25% · 3.875%
HK$22,274
−HK$682/mo
Today · 4.125%
HK$22,956
baseline
▲ 0.50% · 4.625%
HK$24,353
+HK$1,397/mo
Deposit HK$526K · loan HK$4.74M · min. income ≈ HK$45,912/mo (50% DSR)
Upfront cash ≈ HK$645K (deposit + AVD stamp duty HK$118,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,032
−HK$1,298/mo
▼ 0.25% · 3.875%
HK$24,676
−HK$654/mo
Today · 4.125%
HK$25,330
baseline
▲ 0.50% · 4.625%
HK$26,665
+HK$1,335/mo
Deposit HK$526K · loan HK$4.74M · min. income ≈ HK$50,660/mo (50% DSR)
Upfront cash ≈ HK$645K (deposit + AVD stamp duty HK$118,418 · 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).