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$12,112
−HK$760/mo
▼ 0.25% · 3.875%
HK$12,489
−HK$383/mo
Today · 4.125%
HK$12,872
baseline
▲ 0.50% · 4.625%
HK$13,655
+HK$783/mo
Deposit HK$2.66M · loan HK$2.66M · min. income ≈ HK$25,744/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$119,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,475
−HK$728/mo
▼ 0.25% · 3.875%
HK$13,836
−HK$367/mo
Today · 4.125%
HK$14,203
baseline
▲ 0.50% · 4.625%
HK$14,952
+HK$749/mo
Deposit HK$2.66M · loan HK$2.66M · min. income ≈ HK$28,406/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$119,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,535
−HK$911/mo
▼ 0.25% · 3.875%
HK$14,987
−HK$459/mo
Today · 4.125%
HK$15,446
baseline
▲ 0.50% · 4.625%
HK$16,386
+HK$940/mo
Deposit HK$2.12M · loan HK$3.19M · min. income ≈ HK$30,892/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,170
−HK$873/mo
▼ 0.25% · 3.875%
HK$16,603
−HK$440/mo
Today · 4.125%
HK$17,043
baseline
▲ 0.50% · 4.625%
HK$17,942
+HK$899/mo
Deposit HK$2.12M · loan HK$3.19M · min. income ≈ HK$34,086/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,957
−HK$1,064/mo
▼ 0.25% · 3.875%
HK$17,485
−HK$536/mo
Today · 4.125%
HK$18,021
baseline
▲ 0.50% · 4.625%
HK$19,117
+HK$1,096/mo
Deposit HK$1.59M · loan HK$3.72M · min. income ≈ HK$36,042/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,865
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$19,371
−HK$513/mo
Today · 4.125%
HK$19,884
baseline
▲ 0.50% · 4.625%
HK$20,932
+HK$1,048/mo
Deposit HK$1.59M · loan HK$3.72M · min. income ≈ HK$39,768/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,802
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$22,480
−HK$689/mo
Today · 4.125%
HK$23,169
baseline
▲ 0.50% · 4.625%
HK$24,579
+HK$1,410/mo
Deposit HK$531K · loan HK$4.78M · min. income ≈ HK$46,338/mo (50% DSR)
Upfront cash ≈ HK$651K (deposit + AVD stamp duty HK$119,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,255
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$24,905
−HK$660/mo
Today · 4.125%
HK$25,565
baseline
▲ 0.50% · 4.625%
HK$26,913
+HK$1,348/mo
Deposit HK$531K · loan HK$4.78M · min. income ≈ HK$51,130/mo (50% DSR)
Upfront cash ≈ HK$651K (deposit + AVD stamp duty HK$119,517 · 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).