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$759/mo
▼ 0.25% · 3.875%
HK$12,471
−HK$382/mo
Today · 4.125%
HK$12,853
baseline
▲ 0.50% · 4.625%
HK$13,635
+HK$782/mo
Deposit HK$2.65M · loan HK$2.65M · min. income ≈ HK$25,706/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$119,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,455
−HK$727/mo
▼ 0.25% · 3.875%
HK$13,816
−HK$366/mo
Today · 4.125%
HK$14,182
baseline
▲ 0.50% · 4.625%
HK$14,929
+HK$747/mo
Deposit HK$2.65M · loan HK$2.65M · min. income ≈ HK$28,364/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$119,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,513
−HK$911/mo
▼ 0.25% · 3.875%
HK$14,965
−HK$459/mo
Today · 4.125%
HK$15,424
baseline
▲ 0.50% · 4.625%
HK$16,362
+HK$938/mo
Deposit HK$2.12M · loan HK$3.18M · min. income ≈ HK$30,848/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,146
−HK$872/mo
▼ 0.25% · 3.875%
HK$16,579
−HK$439/mo
Today · 4.125%
HK$17,018
baseline
▲ 0.50% · 4.625%
HK$17,915
+HK$897/mo
Deposit HK$2.12M · loan HK$3.18M · min. income ≈ HK$34,036/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,932
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$17,459
−HK$535/mo
Today · 4.125%
HK$17,994
baseline
▲ 0.50% · 4.625%
HK$19,089
+HK$1,095/mo
Deposit HK$1.59M · loan HK$3.71M · min. income ≈ HK$35,988/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,837
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$19,342
−HK$513/mo
Today · 4.125%
HK$19,855
baseline
▲ 0.50% · 4.625%
HK$20,901
+HK$1,046/mo
Deposit HK$1.59M · loan HK$3.71M · min. income ≈ HK$39,710/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,770
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$22,447
−HK$688/mo
Today · 4.125%
HK$23,135
baseline
▲ 0.50% · 4.625%
HK$24,543
+HK$1,408/mo
Deposit HK$530K · loan HK$4.77M · min. income ≈ HK$46,270/mo (50% DSR)
Upfront cash ≈ HK$650K (deposit + AVD stamp duty HK$119,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,219
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$24,869
−HK$658/mo
Today · 4.125%
HK$25,527
baseline
▲ 0.50% · 4.625%
HK$26,873
+HK$1,346/mo
Deposit HK$530K · loan HK$4.77M · min. income ≈ HK$51,054/mo (50% DSR)
Upfront cash ≈ HK$650K (deposit + AVD stamp duty HK$119,341 · 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).