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$12,008
−HK$753/mo
▼ 0.25% · 3.875%
HK$12,382
−HK$379/mo
Today · 4.125%
HK$12,761
baseline
▲ 0.50% · 4.625%
HK$13,538
+HK$777/mo
Deposit HK$2.63M · loan HK$2.63M · min. income ≈ HK$25,522/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$118,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,359
−HK$722/mo
▼ 0.25% · 3.875%
HK$13,717
−HK$364/mo
Today · 4.125%
HK$14,081
baseline
▲ 0.50% · 4.625%
HK$14,823
+HK$742/mo
Deposit HK$2.63M · loan HK$2.63M · min. income ≈ HK$28,162/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$118,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,410
−HK$904/mo
▼ 0.25% · 3.875%
HK$14,858
−HK$456/mo
Today · 4.125%
HK$15,314
baseline
▲ 0.50% · 4.625%
HK$16,245
+HK$931/mo
Deposit HK$2.11M · loan HK$3.16M · min. income ≈ HK$30,628/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$118,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,031
−HK$866/mo
▼ 0.25% · 3.875%
HK$16,461
−HK$436/mo
Today · 4.125%
HK$16,897
baseline
▲ 0.50% · 4.625%
HK$17,788
+HK$891/mo
Deposit HK$2.11M · loan HK$3.16M · min. income ≈ HK$33,794/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$118,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,812
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$17,335
−HK$531/mo
Today · 4.125%
HK$17,866
baseline
▲ 0.50% · 4.625%
HK$18,953
+HK$1,087/mo
Deposit HK$1.58M · loan HK$3.69M · min. income ≈ HK$35,732/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,703
−HK$1,010/mo
▼ 0.25% · 3.875%
HK$19,204
−HK$509/mo
Today · 4.125%
HK$19,713
baseline
▲ 0.50% · 4.625%
HK$20,752
+HK$1,039/mo
Deposit HK$1.58M · loan HK$3.69M · min. income ≈ HK$39,426/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,615
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$22,287
−HK$683/mo
Today · 4.125%
HK$22,970
baseline
▲ 0.50% · 4.625%
HK$24,368
+HK$1,398/mo
Deposit HK$527K · loan HK$4.74M · min. income ≈ HK$45,940/mo (50% DSR)
Upfront cash ≈ HK$645K (deposit + AVD stamp duty HK$118,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,047
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$24,691
−HK$655/mo
Today · 4.125%
HK$25,346
baseline
▲ 0.50% · 4.625%
HK$26,682
+HK$1,336/mo
Deposit HK$527K · loan HK$4.74M · min. income ≈ HK$50,692/mo (50% DSR)
Upfront cash ≈ HK$645K (deposit + AVD stamp duty HK$118,491 · 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).