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$12,012
−HK$754/mo
▼ 0.25% · 3.875%
HK$12,386
−HK$380/mo
Today · 4.125%
HK$12,766
baseline
▲ 0.50% · 4.625%
HK$13,542
+HK$776/mo
Deposit HK$2.63M · loan HK$2.63M · min. income ≈ HK$25,532/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$118,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,364
−HK$722/mo
▼ 0.25% · 3.875%
HK$13,722
−HK$364/mo
Today · 4.125%
HK$14,086
baseline
▲ 0.50% · 4.625%
HK$14,828
+HK$742/mo
Deposit HK$2.63M · loan HK$2.63M · min. income ≈ HK$28,172/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$118,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,415
−HK$904/mo
▼ 0.25% · 3.875%
HK$14,863
−HK$456/mo
Today · 4.125%
HK$15,319
baseline
▲ 0.50% · 4.625%
HK$16,251
+HK$932/mo
Deposit HK$2.11M · loan HK$3.16M · min. income ≈ HK$30,638/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,036
−HK$867/mo
▼ 0.25% · 3.875%
HK$16,467
−HK$436/mo
Today · 4.125%
HK$16,903
baseline
▲ 0.50% · 4.625%
HK$17,794
+HK$891/mo
Deposit HK$2.11M · loan HK$3.16M · min. income ≈ HK$33,806/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,817
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$17,341
−HK$531/mo
Today · 4.125%
HK$17,872
baseline
▲ 0.50% · 4.625%
HK$18,959
+HK$1,087/mo
Deposit HK$1.58M · loan HK$3.69M · min. income ≈ HK$35,744/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,709
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$19,211
−HK$509/mo
Today · 4.125%
HK$19,720
baseline
▲ 0.50% · 4.625%
HK$20,759
+HK$1,039/mo
Deposit HK$1.58M · loan HK$3.69M · min. income ≈ HK$39,440/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,622
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$22,295
−HK$683/mo
Today · 4.125%
HK$22,978
baseline
▲ 0.50% · 4.625%
HK$24,376
+HK$1,398/mo
Deposit HK$527K · loan HK$4.74M · min. income ≈ HK$45,956/mo (50% DSR)
Upfront cash ≈ HK$645K (deposit + AVD stamp duty HK$118,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,055
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$24,700
−HK$654/mo
Today · 4.125%
HK$25,354
baseline
▲ 0.50% · 4.625%
HK$26,691
+HK$1,337/mo
Deposit HK$527K · loan HK$4.74M · min. income ≈ HK$50,708/mo (50% DSR)
Upfront cash ≈ HK$645K (deposit + AVD stamp duty HK$118,531 · 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).