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$12,070
−HK$757/mo
▼ 0.25% · 3.875%
HK$12,446
−HK$381/mo
Today · 4.125%
HK$12,827
baseline
▲ 0.50% · 4.625%
HK$13,608
+HK$781/mo
Deposit HK$2.65M · loan HK$2.65M · min. income ≈ HK$25,654/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$119,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,428
−HK$726/mo
▼ 0.25% · 3.875%
HK$13,788
−HK$366/mo
Today · 4.125%
HK$14,154
baseline
▲ 0.50% · 4.625%
HK$14,900
+HK$746/mo
Deposit HK$2.65M · loan HK$2.65M · min. income ≈ HK$28,308/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$119,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,484
−HK$909/mo
▼ 0.25% · 3.875%
HK$14,935
−HK$458/mo
Today · 4.125%
HK$15,393
baseline
▲ 0.50% · 4.625%
HK$16,329
+HK$936/mo
Deposit HK$2.12M · loan HK$3.18M · min. income ≈ HK$30,786/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,114
−HK$870/mo
▼ 0.25% · 3.875%
HK$16,546
−HK$438/mo
Today · 4.125%
HK$16,984
baseline
▲ 0.50% · 4.625%
HK$17,880
+HK$896/mo
Deposit HK$2.12M · loan HK$3.18M · min. income ≈ HK$33,968/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,899
−HK$1,059/mo
▼ 0.25% · 3.875%
HK$17,424
−HK$534/mo
Today · 4.125%
HK$17,958
baseline
▲ 0.50% · 4.625%
HK$19,051
+HK$1,093/mo
Deposit HK$1.59M · loan HK$3.71M · min. income ≈ HK$35,916/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,799
−HK$1,016/mo
▼ 0.25% · 3.875%
HK$19,304
−HK$511/mo
Today · 4.125%
HK$19,815
baseline
▲ 0.50% · 4.625%
HK$20,860
+HK$1,045/mo
Deposit HK$1.59M · loan HK$3.71M · min. income ≈ HK$39,630/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,727
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$22,402
−HK$687/mo
Today · 4.125%
HK$23,089
baseline
▲ 0.50% · 4.625%
HK$24,494
+HK$1,405/mo
Deposit HK$529K · loan HK$4.76M · min. income ≈ HK$46,178/mo (50% DSR)
Upfront cash ≈ HK$648K (deposit + AVD stamp duty HK$119,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,171
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$24,819
−HK$658/mo
Today · 4.125%
HK$25,477
baseline
▲ 0.50% · 4.625%
HK$26,819
+HK$1,342/mo
Deposit HK$529K · loan HK$4.76M · min. income ≈ HK$50,954/mo (50% DSR)
Upfront cash ≈ HK$648K (deposit + AVD stamp duty HK$119,103 · 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).