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$12,087
−HK$758/mo
▼ 0.25% · 3.875%
HK$12,463
−HK$382/mo
Today · 4.125%
HK$12,845
baseline
▲ 0.50% · 4.625%
HK$13,627
+HK$782/mo
Deposit HK$2.65M · loan HK$2.65M · min. income ≈ HK$25,690/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$119,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,447
−HK$727/mo
▼ 0.25% · 3.875%
HK$13,808
−HK$366/mo
Today · 4.125%
HK$14,174
baseline
▲ 0.50% · 4.625%
HK$14,921
+HK$747/mo
Deposit HK$2.65M · loan HK$2.65M · min. income ≈ HK$28,348/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$119,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,505
−HK$910/mo
▼ 0.25% · 3.875%
HK$14,956
−HK$459/mo
Today · 4.125%
HK$15,415
baseline
▲ 0.50% · 4.625%
HK$16,352
+HK$937/mo
Deposit HK$2.12M · loan HK$3.18M · min. income ≈ HK$30,830/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,137
−HK$871/mo
▼ 0.25% · 3.875%
HK$16,569
−HK$439/mo
Today · 4.125%
HK$17,008
baseline
▲ 0.50% · 4.625%
HK$17,905
+HK$897/mo
Deposit HK$2.12M · loan HK$3.18M · min. income ≈ HK$34,016/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,922
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$17,449
−HK$535/mo
Today · 4.125%
HK$17,984
baseline
▲ 0.50% · 4.625%
HK$19,078
+HK$1,094/mo
Deposit HK$1.59M · loan HK$3.71M · min. income ≈ HK$35,968/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,826
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$19,331
−HK$512/mo
Today · 4.125%
HK$19,843
baseline
▲ 0.50% · 4.625%
HK$20,889
+HK$1,046/mo
Deposit HK$1.59M · loan HK$3.71M · min. income ≈ HK$39,686/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,757
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$22,434
−HK$688/mo
Today · 4.125%
HK$23,122
baseline
▲ 0.50% · 4.625%
HK$24,529
+HK$1,407/mo
Deposit HK$530K · loan HK$4.77M · min. income ≈ HK$46,244/mo (50% DSR)
Upfront cash ≈ HK$649K (deposit + AVD stamp duty HK$119,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,205
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$24,854
−HK$659/mo
Today · 4.125%
HK$25,513
baseline
▲ 0.50% · 4.625%
HK$26,857
+HK$1,344/mo
Deposit HK$530K · loan HK$4.77M · min. income ≈ HK$51,026/mo (50% DSR)
Upfront cash ≈ HK$649K (deposit + AVD stamp duty HK$119,271 · 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).