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$12,013
−HK$754/mo
▼ 0.25% · 3.875%
HK$12,387
−HK$380/mo
Today · 4.125%
HK$12,767
baseline
▲ 0.50% · 4.625%
HK$13,543
+HK$776/mo
Deposit HK$2.63M · loan HK$2.63M · min. income ≈ HK$25,534/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$118,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,365
−HK$722/mo
▼ 0.25% · 3.875%
HK$13,723
−HK$364/mo
Today · 4.125%
HK$14,087
baseline
▲ 0.50% · 4.625%
HK$14,829
+HK$742/mo
Deposit HK$2.63M · loan HK$2.63M · min. income ≈ HK$28,174/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$118,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,416
−HK$904/mo
▼ 0.25% · 3.875%
HK$14,864
−HK$456/mo
Today · 4.125%
HK$15,320
baseline
▲ 0.50% · 4.625%
HK$16,252
+HK$932/mo
Deposit HK$2.11M · loan HK$3.16M · min. income ≈ HK$30,640/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,038
−HK$866/mo
▼ 0.25% · 3.875%
HK$16,468
−HK$436/mo
Today · 4.125%
HK$16,904
baseline
▲ 0.50% · 4.625%
HK$17,795
+HK$891/mo
Deposit HK$2.11M · loan HK$3.16M · min. income ≈ HK$33,808/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,819
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$17,342
−HK$531/mo
Today · 4.125%
HK$17,873
baseline
▲ 0.50% · 4.625%
HK$18,961
+HK$1,088/mo
Deposit HK$1.58M · loan HK$3.69M · min. income ≈ HK$35,746/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,710
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$19,212
−HK$509/mo
Today · 4.125%
HK$19,721
baseline
▲ 0.50% · 4.625%
HK$20,761
+HK$1,040/mo
Deposit HK$1.58M · loan HK$3.69M · min. income ≈ HK$39,442/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,624
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$22,296
−HK$684/mo
Today · 4.125%
HK$22,980
baseline
▲ 0.50% · 4.625%
HK$24,378
+HK$1,398/mo
Deposit HK$527K · loan HK$4.74M · min. income ≈ HK$45,960/mo (50% DSR)
Upfront cash ≈ HK$645K (deposit + AVD stamp duty HK$118,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,056
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$24,701
−HK$655/mo
Today · 4.125%
HK$25,356
baseline
▲ 0.50% · 4.625%
HK$26,693
+HK$1,337/mo
Deposit HK$527K · loan HK$4.74M · min. income ≈ HK$50,712/mo (50% DSR)
Upfront cash ≈ HK$645K (deposit + AVD stamp duty HK$118,539 · 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).