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$12,481
−HK$383/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$119,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,466
−HK$728/mo
▼ 0.25% · 3.875%
HK$13,828
−HK$366/mo
Today · 4.125%
HK$14,194
baseline
▲ 0.50% · 4.625%
HK$14,942
+HK$748/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$119,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,526
−HK$911/mo
▼ 0.25% · 3.875%
HK$14,977
−HK$460/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$119,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,160
−HK$873/mo
▼ 0.25% · 3.875%
HK$16,593
−HK$440/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$119,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,947
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$17,474
−HK$535/mo
Today · 4.125%
HK$18,009
baseline
▲ 0.50% · 4.625%
HK$19,105
+HK$1,096/mo
Deposit HK$1.59M · loan HK$3.72M · min. income ≈ HK$36,018/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,853
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$19,359
−HK$513/mo
Today · 4.125%
HK$19,872
baseline
▲ 0.50% · 4.625%
HK$20,919
+HK$1,047/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$119,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,789
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$22,466
−HK$689/mo
Today · 4.125%
HK$23,155
baseline
▲ 0.50% · 4.625%
HK$24,564
+HK$1,409/mo
Deposit HK$531K · loan HK$4.78M · min. income ≈ HK$46,310/mo (50% DSR)
Upfront cash ≈ HK$650K (deposit + AVD stamp duty HK$119,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,239
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$24,890
−HK$659/mo
Today · 4.125%
HK$25,549
baseline
▲ 0.50% · 4.625%
HK$26,896
+HK$1,347/mo
Deposit HK$531K · loan HK$4.78M · min. income ≈ HK$51,098/mo (50% DSR)
Upfront cash ≈ HK$650K (deposit + AVD stamp duty HK$119,442 · 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).