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$12,045
−HK$755/mo
▼ 0.25% · 3.875%
HK$12,419
−HK$381/mo
Today · 4.125%
HK$12,800
baseline
▲ 0.50% · 4.625%
HK$13,579
+HK$779/mo
Deposit HK$2.64M · loan HK$2.64M · min. income ≈ HK$25,600/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$118,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,399
−HK$724/mo
▼ 0.25% · 3.875%
HK$13,759
−HK$364/mo
Today · 4.125%
HK$14,123
baseline
▲ 0.50% · 4.625%
HK$14,868
+HK$745/mo
Deposit HK$2.64M · loan HK$2.64M · min. income ≈ HK$28,246/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$118,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,454
−HK$906/mo
▼ 0.25% · 3.875%
HK$14,903
−HK$457/mo
Today · 4.125%
HK$15,360
baseline
▲ 0.50% · 4.625%
HK$16,294
+HK$934/mo
Deposit HK$2.11M · loan HK$3.17M · min. income ≈ HK$30,720/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,079
−HK$869/mo
▼ 0.25% · 3.875%
HK$16,511
−HK$437/mo
Today · 4.125%
HK$16,948
baseline
▲ 0.50% · 4.625%
HK$17,841
+HK$893/mo
Deposit HK$2.11M · loan HK$3.17M · min. income ≈ HK$33,896/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,862
−HK$1,058/mo
▼ 0.25% · 3.875%
HK$17,387
−HK$533/mo
Today · 4.125%
HK$17,920
baseline
▲ 0.50% · 4.625%
HK$19,010
+HK$1,090/mo
Deposit HK$1.58M · loan HK$3.70M · min. income ≈ HK$35,840/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,759
−HK$1,014/mo
▼ 0.25% · 3.875%
HK$19,262
−HK$511/mo
Today · 4.125%
HK$19,773
baseline
▲ 0.50% · 4.625%
HK$20,815
+HK$1,042/mo
Deposit HK$1.58M · loan HK$3.70M · min. income ≈ HK$39,546/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,680
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$22,355
−HK$685/mo
Today · 4.125%
HK$23,040
baseline
▲ 0.50% · 4.625%
HK$24,442
+HK$1,402/mo
Deposit HK$528K · loan HK$4.75M · min. income ≈ HK$46,080/mo (50% DSR)
Upfront cash ≈ HK$647K (deposit + AVD stamp duty HK$118,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,119
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$24,766
−HK$656/mo
Today · 4.125%
HK$25,422
baseline
▲ 0.50% · 4.625%
HK$26,762
+HK$1,340/mo
Deposit HK$528K · loan HK$4.75M · min. income ≈ HK$50,844/mo (50% DSR)
Upfront cash ≈ HK$647K (deposit + AVD stamp duty HK$118,848 · 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).