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$12,000
−HK$752/mo
▼ 0.25% · 3.875%
HK$12,373
−HK$379/mo
Today · 4.125%
HK$12,752
baseline
▲ 0.50% · 4.625%
HK$13,528
+HK$776/mo
Deposit HK$2.63M · loan HK$2.63M · min. income ≈ HK$25,504/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$118,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,350
−HK$721/mo
▼ 0.25% · 3.875%
HK$13,708
−HK$363/mo
Today · 4.125%
HK$14,071
baseline
▲ 0.50% · 4.625%
HK$14,813
+HK$742/mo
Deposit HK$2.63M · loan HK$2.63M · min. income ≈ HK$28,142/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$118,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,400
−HK$903/mo
▼ 0.25% · 3.875%
HK$14,848
−HK$455/mo
Today · 4.125%
HK$15,303
baseline
▲ 0.50% · 4.625%
HK$16,234
+HK$931/mo
Deposit HK$2.11M · loan HK$3.16M · min. income ≈ HK$30,606/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$118,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,020
−HK$865/mo
▼ 0.25% · 3.875%
HK$16,449
−HK$436/mo
Today · 4.125%
HK$16,885
baseline
▲ 0.50% · 4.625%
HK$17,775
+HK$890/mo
Deposit HK$2.11M · loan HK$3.16M · min. income ≈ HK$33,770/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$118,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,800
−HK$1,053/mo
▼ 0.25% · 3.875%
HK$17,322
−HK$531/mo
Today · 4.125%
HK$17,853
baseline
▲ 0.50% · 4.625%
HK$18,940
+HK$1,087/mo
Deposit HK$1.58M · loan HK$3.68M · min. income ≈ HK$35,706/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,690
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$19,191
−HK$508/mo
Today · 4.125%
HK$19,699
baseline
▲ 0.50% · 4.625%
HK$20,738
+HK$1,039/mo
Deposit HK$1.58M · loan HK$3.68M · min. income ≈ HK$39,398/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,600
−HK$1,354/mo
▼ 0.25% · 3.875%
HK$22,272
−HK$682/mo
Today · 4.125%
HK$22,954
baseline
▲ 0.50% · 4.625%
HK$24,351
+HK$1,397/mo
Deposit HK$526K · loan HK$4.74M · min. income ≈ HK$45,908/mo (50% DSR)
Upfront cash ≈ HK$645K (deposit + AVD stamp duty HK$118,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,030
−HK$1,298/mo
▼ 0.25% · 3.875%
HK$24,674
−HK$654/mo
Today · 4.125%
HK$25,328
baseline
▲ 0.50% · 4.625%
HK$26,663
+HK$1,335/mo
Deposit HK$526K · loan HK$4.74M · min. income ≈ HK$50,656/mo (50% DSR)
Upfront cash ≈ HK$645K (deposit + AVD stamp duty HK$118,407 · 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).