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$12,094
−HK$758/mo
▼ 0.25% · 3.875%
HK$12,470
−HK$382/mo
Today · 4.125%
HK$12,852
baseline
▲ 0.50% · 4.625%
HK$13,634
+HK$782/mo
Deposit HK$2.65M · loan HK$2.65M · min. income ≈ HK$25,704/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$119,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,454
−HK$727/mo
▼ 0.25% · 3.875%
HK$13,815
−HK$366/mo
Today · 4.125%
HK$14,181
baseline
▲ 0.50% · 4.625%
HK$14,929
+HK$748/mo
Deposit HK$2.65M · loan HK$2.65M · min. income ≈ HK$28,362/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$119,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,513
−HK$910/mo
▼ 0.25% · 3.875%
HK$14,964
−HK$459/mo
Today · 4.125%
HK$15,423
baseline
▲ 0.50% · 4.625%
HK$16,361
+HK$938/mo
Deposit HK$2.12M · loan HK$3.18M · min. income ≈ HK$30,846/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,145
−HK$872/mo
▼ 0.25% · 3.875%
HK$16,578
−HK$439/mo
Today · 4.125%
HK$17,017
baseline
▲ 0.50% · 4.625%
HK$17,914
+HK$897/mo
Deposit HK$2.12M · loan HK$3.18M · min. income ≈ HK$34,034/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,931
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$17,458
−HK$535/mo
Today · 4.125%
HK$17,993
baseline
▲ 0.50% · 4.625%
HK$19,088
+HK$1,095/mo
Deposit HK$1.59M · loan HK$3.71M · min. income ≈ HK$35,986/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,836
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$19,341
−HK$513/mo
Today · 4.125%
HK$19,854
baseline
▲ 0.50% · 4.625%
HK$20,900
+HK$1,046/mo
Deposit HK$1.59M · loan HK$3.71M · min. income ≈ HK$39,708/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,769
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$22,446
−HK$688/mo
Today · 4.125%
HK$23,134
baseline
▲ 0.50% · 4.625%
HK$24,542
+HK$1,408/mo
Deposit HK$530K · loan HK$4.77M · min. income ≈ HK$46,268/mo (50% DSR)
Upfront cash ≈ HK$650K (deposit + AVD stamp duty HK$119,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,218
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$24,867
−HK$659/mo
Today · 4.125%
HK$25,526
baseline
▲ 0.50% · 4.625%
HK$26,872
+HK$1,346/mo
Deposit HK$530K · loan HK$4.77M · min. income ≈ HK$51,052/mo (50% DSR)
Upfront cash ≈ HK$650K (deposit + AVD stamp duty HK$119,334 · 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).