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$12,069
−HK$757/mo
▼ 0.25% · 3.875%
HK$12,444
−HK$382/mo
Today · 4.125%
HK$12,826
baseline
▲ 0.50% · 4.625%
HK$13,606
+HK$780/mo
Deposit HK$2.65M · loan HK$2.65M · min. income ≈ HK$25,652/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$119,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,427
−HK$725/mo
▼ 0.25% · 3.875%
HK$13,787
−HK$365/mo
Today · 4.125%
HK$14,152
baseline
▲ 0.50% · 4.625%
HK$14,898
+HK$746/mo
Deposit HK$2.65M · loan HK$2.65M · min. income ≈ HK$28,304/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$119,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,483
−HK$908/mo
▼ 0.25% · 3.875%
HK$14,933
−HK$458/mo
Today · 4.125%
HK$15,391
baseline
▲ 0.50% · 4.625%
HK$16,327
+HK$936/mo
Deposit HK$2.12M · loan HK$3.18M · min. income ≈ HK$30,782/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,112
−HK$870/mo
▼ 0.25% · 3.875%
HK$16,544
−HK$438/mo
Today · 4.125%
HK$16,982
baseline
▲ 0.50% · 4.625%
HK$17,878
+HK$896/mo
Deposit HK$2.12M · loan HK$3.18M · min. income ≈ HK$33,964/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,897
−HK$1,059/mo
▼ 0.25% · 3.875%
HK$17,422
−HK$534/mo
Today · 4.125%
HK$17,956
baseline
▲ 0.50% · 4.625%
HK$19,049
+HK$1,093/mo
Deposit HK$1.59M · loan HK$3.70M · min. income ≈ HK$35,912/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,797
−HK$1,016/mo
▼ 0.25% · 3.875%
HK$19,301
−HK$512/mo
Today · 4.125%
HK$19,813
baseline
▲ 0.50% · 4.625%
HK$20,857
+HK$1,044/mo
Deposit HK$1.59M · loan HK$3.70M · min. income ≈ HK$39,626/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,724
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$22,400
−HK$686/mo
Today · 4.125%
HK$23,086
baseline
▲ 0.50% · 4.625%
HK$24,491
+HK$1,405/mo
Deposit HK$529K · loan HK$4.76M · min. income ≈ HK$46,172/mo (50% DSR)
Upfront cash ≈ HK$648K (deposit + AVD stamp duty HK$119,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,168
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$24,816
−HK$658/mo
Today · 4.125%
HK$25,474
baseline
▲ 0.50% · 4.625%
HK$26,816
+HK$1,342/mo
Deposit HK$529K · loan HK$4.76M · min. income ≈ HK$50,948/mo (50% DSR)
Upfront cash ≈ HK$648K (deposit + AVD stamp duty HK$119,089 · 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).