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$12,068
−HK$756/mo
▼ 0.25% · 3.875%
HK$12,443
−HK$381/mo
Today · 4.125%
HK$12,824
baseline
▲ 0.50% · 4.625%
HK$13,605
+HK$781/mo
Deposit HK$2.65M · loan HK$2.65M · min. income ≈ HK$25,648/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$119,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,425
−HK$725/mo
▼ 0.25% · 3.875%
HK$13,785
−HK$365/mo
Today · 4.125%
HK$14,150
baseline
▲ 0.50% · 4.625%
HK$14,896
+HK$746/mo
Deposit HK$2.65M · loan HK$2.65M · min. income ≈ HK$28,300/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$119,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,481
−HK$908/mo
▼ 0.25% · 3.875%
HK$14,932
−HK$457/mo
Today · 4.125%
HK$15,389
baseline
▲ 0.50% · 4.625%
HK$16,326
+HK$937/mo
Deposit HK$2.12M · loan HK$3.18M · min. income ≈ HK$30,778/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,110
−HK$871/mo
▼ 0.25% · 3.875%
HK$16,542
−HK$439/mo
Today · 4.125%
HK$16,981
baseline
▲ 0.50% · 4.625%
HK$17,876
+HK$895/mo
Deposit HK$2.12M · loan HK$3.18M · min. income ≈ HK$33,962/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,895
−HK$1,059/mo
▼ 0.25% · 3.875%
HK$17,420
−HK$534/mo
Today · 4.125%
HK$17,954
baseline
▲ 0.50% · 4.625%
HK$19,047
+HK$1,093/mo
Deposit HK$1.59M · loan HK$3.70M · min. income ≈ HK$35,908/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,795
−HK$1,016/mo
▼ 0.25% · 3.875%
HK$19,299
−HK$512/mo
Today · 4.125%
HK$19,811
baseline
▲ 0.50% · 4.625%
HK$20,855
+HK$1,044/mo
Deposit HK$1.59M · loan HK$3.70M · min. income ≈ HK$39,622/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,722
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$22,397
−HK$687/mo
Today · 4.125%
HK$23,084
baseline
▲ 0.50% · 4.625%
HK$24,488
+HK$1,404/mo
Deposit HK$529K · loan HK$4.76M · min. income ≈ HK$46,168/mo (50% DSR)
Upfront cash ≈ HK$648K (deposit + AVD stamp duty HK$119,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,165
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$24,813
−HK$658/mo
Today · 4.125%
HK$25,471
baseline
▲ 0.50% · 4.625%
HK$26,813
+HK$1,342/mo
Deposit HK$529K · loan HK$4.76M · min. income ≈ HK$50,942/mo (50% DSR)
Upfront cash ≈ HK$648K (deposit + AVD stamp duty HK$119,076 · 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).