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$12,105
−HK$759/mo
▼ 0.25% · 3.875%
HK$12,482
−HK$382/mo
Today · 4.125%
HK$12,864
baseline
▲ 0.50% · 4.625%
HK$13,647
+HK$783/mo
Deposit HK$2.65M · loan HK$2.65M · min. income ≈ HK$25,728/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$119,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,467
−HK$727/mo
▼ 0.25% · 3.875%
HK$13,828
−HK$366/mo
Today · 4.125%
HK$14,194
baseline
▲ 0.50% · 4.625%
HK$14,943
+HK$749/mo
Deposit HK$2.65M · loan HK$2.65M · min. income ≈ HK$28,388/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$119,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,526
−HK$911/mo
▼ 0.25% · 3.875%
HK$14,978
−HK$459/mo
Today · 4.125%
HK$15,437
baseline
▲ 0.50% · 4.625%
HK$16,376
+HK$939/mo
Deposit HK$2.12M · loan HK$3.19M · min. income ≈ HK$30,874/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,160
−HK$873/mo
▼ 0.25% · 3.875%
HK$16,594
−HK$439/mo
Today · 4.125%
HK$17,033
baseline
▲ 0.50% · 4.625%
HK$17,931
+HK$898/mo
Deposit HK$2.12M · loan HK$3.19M · min. income ≈ HK$34,066/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,947
−HK$1,063/mo
▼ 0.25% · 3.875%
HK$17,474
−HK$536/mo
Today · 4.125%
HK$18,010
baseline
▲ 0.50% · 4.625%
HK$19,106
+HK$1,096/mo
Deposit HK$1.59M · loan HK$3.72M · min. income ≈ HK$36,020/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,854
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$19,359
−HK$513/mo
Today · 4.125%
HK$19,872
baseline
▲ 0.50% · 4.625%
HK$20,920
+HK$1,048/mo
Deposit HK$1.59M · loan HK$3.72M · min. income ≈ HK$39,744/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,789
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$22,467
−HK$689/mo
Today · 4.125%
HK$23,156
baseline
▲ 0.50% · 4.625%
HK$24,565
+HK$1,409/mo
Deposit HK$531K · loan HK$4.78M · min. income ≈ HK$46,312/mo (50% DSR)
Upfront cash ≈ HK$650K (deposit + AVD stamp duty HK$119,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,240
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$24,890
−HK$660/mo
Today · 4.125%
HK$25,550
baseline
▲ 0.50% · 4.625%
HK$26,897
+HK$1,347/mo
Deposit HK$531K · loan HK$4.78M · min. income ≈ HK$51,100/mo (50% DSR)
Upfront cash ≈ HK$650K (deposit + AVD stamp duty HK$119,446 · 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).