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$12,104
−HK$759/mo
▼ 0.25% · 3.875%
HK$12,480
−HK$383/mo
Today · 4.125%
HK$12,863
baseline
▲ 0.50% · 4.625%
HK$13,646
+HK$783/mo
Deposit HK$2.65M · loan HK$2.65M · min. income ≈ HK$25,726/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$119,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,466
−HK$727/mo
▼ 0.25% · 3.875%
HK$13,827
−HK$366/mo
Today · 4.125%
HK$14,193
baseline
▲ 0.50% · 4.625%
HK$14,941
+HK$748/mo
Deposit HK$2.65M · loan HK$2.65M · min. income ≈ HK$28,386/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$119,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,525
−HK$911/mo
▼ 0.25% · 3.875%
HK$14,977
−HK$459/mo
Today · 4.125%
HK$15,436
baseline
▲ 0.50% · 4.625%
HK$16,375
+HK$939/mo
Deposit HK$2.12M · loan HK$3.18M · min. income ≈ HK$30,872/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,159
−HK$873/mo
▼ 0.25% · 3.875%
HK$16,592
−HK$440/mo
Today · 4.125%
HK$17,032
baseline
▲ 0.50% · 4.625%
HK$17,929
+HK$897/mo
Deposit HK$2.12M · loan HK$3.18M · min. income ≈ HK$34,064/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,946
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$17,473
−HK$535/mo
Today · 4.125%
HK$18,008
baseline
▲ 0.50% · 4.625%
HK$19,104
+HK$1,096/mo
Deposit HK$1.59M · loan HK$3.72M · min. income ≈ HK$36,016/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,852
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$19,357
−HK$513/mo
Today · 4.125%
HK$19,870
baseline
▲ 0.50% · 4.625%
HK$20,918
+HK$1,048/mo
Deposit HK$1.59M · loan HK$3.72M · min. income ≈ HK$39,740/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,787
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$22,465
−HK$688/mo
Today · 4.125%
HK$23,153
baseline
▲ 0.50% · 4.625%
HK$24,562
+HK$1,409/mo
Deposit HK$531K · loan HK$4.78M · min. income ≈ HK$46,306/mo (50% DSR)
Upfront cash ≈ HK$650K (deposit + AVD stamp duty HK$119,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,238
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$24,888
−HK$659/mo
Today · 4.125%
HK$25,547
baseline
▲ 0.50% · 4.625%
HK$26,894
+HK$1,347/mo
Deposit HK$531K · loan HK$4.78M · min. income ≈ HK$51,094/mo (50% DSR)
Upfront cash ≈ HK$650K (deposit + AVD stamp duty HK$119,434 · 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).