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$12,096
−HK$758/mo
▼ 0.25% · 3.875%
HK$12,472
−HK$382/mo
Today · 4.125%
HK$12,854
baseline
▲ 0.50% · 4.625%
HK$13,637
+HK$783/mo
Deposit HK$2.65M · loan HK$2.65M · min. income ≈ HK$25,708/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$119,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,457
−HK$727/mo
▼ 0.25% · 3.875%
HK$13,817
−HK$367/mo
Today · 4.125%
HK$14,184
baseline
▲ 0.50% · 4.625%
HK$14,931
+HK$747/mo
Deposit HK$2.65M · loan HK$2.65M · min. income ≈ HK$28,368/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$119,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,515
−HK$910/mo
▼ 0.25% · 3.875%
HK$14,967
−HK$458/mo
Today · 4.125%
HK$15,425
baseline
▲ 0.50% · 4.625%
HK$16,364
+HK$939/mo
Deposit HK$2.12M · loan HK$3.18M · min. income ≈ HK$30,850/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,148
−HK$872/mo
▼ 0.25% · 3.875%
HK$16,581
−HK$439/mo
Today · 4.125%
HK$17,020
baseline
▲ 0.50% · 4.625%
HK$17,918
+HK$898/mo
Deposit HK$2.12M · loan HK$3.18M · min. income ≈ HK$34,040/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,934
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$17,461
−HK$535/mo
Today · 4.125%
HK$17,996
baseline
▲ 0.50% · 4.625%
HK$19,091
+HK$1,095/mo
Deposit HK$1.59M · loan HK$3.71M · min. income ≈ HK$35,992/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,839
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$19,344
−HK$513/mo
Today · 4.125%
HK$19,857
baseline
▲ 0.50% · 4.625%
HK$20,904
+HK$1,047/mo
Deposit HK$1.59M · loan HK$3.71M · min. income ≈ HK$39,714/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,773
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$22,450
−HK$688/mo
Today · 4.125%
HK$23,138
baseline
▲ 0.50% · 4.625%
HK$24,546
+HK$1,408/mo
Deposit HK$530K · loan HK$4.77M · min. income ≈ HK$46,276/mo (50% DSR)
Upfront cash ≈ HK$650K (deposit + AVD stamp duty HK$119,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,222
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$24,871
−HK$660/mo
Today · 4.125%
HK$25,531
baseline
▲ 0.50% · 4.625%
HK$26,876
+HK$1,345/mo
Deposit HK$530K · loan HK$4.77M · min. income ≈ HK$51,062/mo (50% DSR)
Upfront cash ≈ HK$650K (deposit + AVD stamp duty HK$119,355 · 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).