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$12,057
−HK$756/mo
▼ 0.25% · 3.875%
HK$12,432
−HK$381/mo
Today · 4.125%
HK$12,813
baseline
▲ 0.50% · 4.625%
HK$13,593
+HK$780/mo
Deposit HK$2.64M · loan HK$2.64M · min. income ≈ HK$25,626/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$118,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,414
−HK$724/mo
▼ 0.25% · 3.875%
HK$13,773
−HK$365/mo
Today · 4.125%
HK$14,138
baseline
▲ 0.50% · 4.625%
HK$14,884
+HK$746/mo
Deposit HK$2.64M · loan HK$2.64M · min. income ≈ HK$28,276/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$118,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,469
−HK$907/mo
▼ 0.25% · 3.875%
HK$14,919
−HK$457/mo
Today · 4.125%
HK$15,376
baseline
▲ 0.50% · 4.625%
HK$16,312
+HK$936/mo
Deposit HK$2.12M · loan HK$3.17M · min. income ≈ HK$30,752/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,096
−HK$870/mo
▼ 0.25% · 3.875%
HK$16,528
−HK$438/mo
Today · 4.125%
HK$16,966
baseline
▲ 0.50% · 4.625%
HK$17,860
+HK$894/mo
Deposit HK$2.12M · loan HK$3.17M · min. income ≈ HK$33,932/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,880
−HK$1,059/mo
▼ 0.25% · 3.875%
HK$17,405
−HK$534/mo
Today · 4.125%
HK$17,939
baseline
▲ 0.50% · 4.625%
HK$19,030
+HK$1,091/mo
Deposit HK$1.59M · loan HK$3.70M · min. income ≈ HK$35,878/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$118,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,779
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$19,283
−HK$511/mo
Today · 4.125%
HK$19,794
baseline
▲ 0.50% · 4.625%
HK$20,837
+HK$1,043/mo
Deposit HK$1.59M · loan HK$3.70M · min. income ≈ HK$39,588/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$118,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,703
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$22,378
−HK$686/mo
Today · 4.125%
HK$23,064
baseline
▲ 0.50% · 4.625%
HK$24,467
+HK$1,403/mo
Deposit HK$529K · loan HK$4.76M · min. income ≈ HK$46,128/mo (50% DSR)
Upfront cash ≈ HK$648K (deposit + AVD stamp duty HK$118,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,144
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$24,792
−HK$657/mo
Today · 4.125%
HK$25,449
baseline
▲ 0.50% · 4.625%
HK$26,790
+HK$1,341/mo
Deposit HK$529K · loan HK$4.76M · min. income ≈ HK$50,898/mo (50% DSR)
Upfront cash ≈ HK$648K (deposit + AVD stamp duty HK$118,973 · 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).