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$12,101
−HK$759/mo
▼ 0.25% · 3.875%
HK$12,478
−HK$382/mo
Today · 4.125%
HK$12,860
baseline
▲ 0.50% · 4.625%
HK$13,643
+HK$783/mo
Deposit HK$2.65M · loan HK$2.65M · min. income ≈ HK$25,720/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$119,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,463
−HK$727/mo
▼ 0.25% · 3.875%
HK$13,824
−HK$366/mo
Today · 4.125%
HK$14,190
baseline
▲ 0.50% · 4.625%
HK$14,938
+HK$748/mo
Deposit HK$2.65M · loan HK$2.65M · min. income ≈ HK$28,380/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$119,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,522
−HK$910/mo
▼ 0.25% · 3.875%
HK$14,973
−HK$459/mo
Today · 4.125%
HK$15,432
baseline
▲ 0.50% · 4.625%
HK$16,371
+HK$939/mo
Deposit HK$2.12M · loan HK$3.18M · min. income ≈ HK$30,864/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,155
−HK$873/mo
▼ 0.25% · 3.875%
HK$16,589
−HK$439/mo
Today · 4.125%
HK$17,028
baseline
▲ 0.50% · 4.625%
HK$17,926
+HK$898/mo
Deposit HK$2.12M · loan HK$3.18M · min. income ≈ HK$34,056/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,942
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$17,469
−HK$535/mo
Today · 4.125%
HK$18,004
baseline
▲ 0.50% · 4.625%
HK$19,100
+HK$1,096/mo
Deposit HK$1.59M · loan HK$3.71M · min. income ≈ HK$36,008/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,848
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$19,353
−HK$513/mo
Today · 4.125%
HK$19,866
baseline
▲ 0.50% · 4.625%
HK$20,913
+HK$1,047/mo
Deposit HK$1.59M · loan HK$3.71M · min. income ≈ HK$39,732/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,783
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$22,460
−HK$689/mo
Today · 4.125%
HK$23,149
baseline
▲ 0.50% · 4.625%
HK$24,557
+HK$1,408/mo
Deposit HK$531K · loan HK$4.78M · min. income ≈ HK$46,298/mo (50% DSR)
Upfront cash ≈ HK$650K (deposit + AVD stamp duty HK$119,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,233
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$24,883
−HK$659/mo
Today · 4.125%
HK$25,542
baseline
▲ 0.50% · 4.625%
HK$26,889
+HK$1,347/mo
Deposit HK$531K · loan HK$4.78M · min. income ≈ HK$51,084/mo (50% DSR)
Upfront cash ≈ HK$650K (deposit + AVD stamp duty HK$119,410 · 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).