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$12,032
−HK$755/mo
▼ 0.25% · 3.875%
HK$12,406
−HK$381/mo
Today · 4.125%
HK$12,787
baseline
▲ 0.50% · 4.625%
HK$13,565
+HK$778/mo
Deposit HK$2.64M · loan HK$2.64M · min. income ≈ HK$25,574/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$118,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,386
−HK$723/mo
▼ 0.25% · 3.875%
HK$13,745
−HK$364/mo
Today · 4.125%
HK$14,109
baseline
▲ 0.50% · 4.625%
HK$14,852
+HK$743/mo
Deposit HK$2.64M · loan HK$2.64M · min. income ≈ HK$28,218/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$118,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,439
−HK$905/mo
▼ 0.25% · 3.875%
HK$14,888
−HK$456/mo
Today · 4.125%
HK$15,344
baseline
▲ 0.50% · 4.625%
HK$16,278
+HK$934/mo
Deposit HK$2.11M · loan HK$3.17M · min. income ≈ HK$30,688/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,063
−HK$868/mo
▼ 0.25% · 3.875%
HK$16,494
−HK$437/mo
Today · 4.125%
HK$16,931
baseline
▲ 0.50% · 4.625%
HK$17,823
+HK$892/mo
Deposit HK$2.11M · loan HK$3.17M · min. income ≈ HK$33,862/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,845
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$17,369
−HK$532/mo
Today · 4.125%
HK$17,901
baseline
▲ 0.50% · 4.625%
HK$18,991
+HK$1,090/mo
Deposit HK$1.58M · loan HK$3.69M · min. income ≈ HK$35,802/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,740
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$19,242
−HK$510/mo
Today · 4.125%
HK$19,752
baseline
▲ 0.50% · 4.625%
HK$20,793
+HK$1,041/mo
Deposit HK$1.58M · loan HK$3.69M · min. income ≈ HK$39,504/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,658
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$22,331
−HK$685/mo
Today · 4.125%
HK$23,016
baseline
▲ 0.50% · 4.625%
HK$24,416
+HK$1,400/mo
Deposit HK$528K · loan HK$4.75M · min. income ≈ HK$46,032/mo (50% DSR)
Upfront cash ≈ HK$646K (deposit + AVD stamp duty HK$118,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,094
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$24,740
−HK$656/mo
Today · 4.125%
HK$25,396
baseline
▲ 0.50% · 4.625%
HK$26,734
+HK$1,338/mo
Deposit HK$528K · loan HK$4.75M · min. income ≈ HK$50,792/mo (50% DSR)
Upfront cash ≈ HK$646K (deposit + AVD stamp duty HK$118,725 · 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).