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$12,040
−HK$755/mo
▼ 0.25% · 3.875%
HK$12,414
−HK$381/mo
Today · 4.125%
HK$12,795
baseline
▲ 0.50% · 4.625%
HK$13,573
+HK$778/mo
Deposit HK$2.64M · loan HK$2.64M · min. income ≈ HK$25,590/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$118,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,394
−HK$724/mo
▼ 0.25% · 3.875%
HK$13,753
−HK$365/mo
Today · 4.125%
HK$14,118
baseline
▲ 0.50% · 4.625%
HK$14,862
+HK$744/mo
Deposit HK$2.64M · loan HK$2.64M · min. income ≈ HK$28,236/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$118,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,448
−HK$905/mo
▼ 0.25% · 3.875%
HK$14,897
−HK$456/mo
Today · 4.125%
HK$15,353
baseline
▲ 0.50% · 4.625%
HK$16,288
+HK$935/mo
Deposit HK$2.11M · loan HK$3.17M · min. income ≈ HK$30,706/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,073
−HK$868/mo
▼ 0.25% · 3.875%
HK$16,504
−HK$437/mo
Today · 4.125%
HK$16,941
baseline
▲ 0.50% · 4.625%
HK$17,834
+HK$893/mo
Deposit HK$2.11M · loan HK$3.17M · min. income ≈ HK$33,882/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,855
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$17,380
−HK$532/mo
Today · 4.125%
HK$17,912
baseline
▲ 0.50% · 4.625%
HK$19,002
+HK$1,090/mo
Deposit HK$1.58M · loan HK$3.70M · min. income ≈ HK$35,824/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,751
−HK$1,014/mo
▼ 0.25% · 3.875%
HK$19,254
−HK$511/mo
Today · 4.125%
HK$19,765
baseline
▲ 0.50% · 4.625%
HK$20,806
+HK$1,041/mo
Deposit HK$1.58M · loan HK$3.70M · min. income ≈ HK$39,530/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,671
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$22,345
−HK$685/mo
Today · 4.125%
HK$23,030
baseline
▲ 0.50% · 4.625%
HK$24,432
+HK$1,402/mo
Deposit HK$528K · loan HK$4.75M · min. income ≈ HK$46,060/mo (50% DSR)
Upfront cash ≈ HK$647K (deposit + AVD stamp duty HK$118,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,109
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$24,756
−HK$656/mo
Today · 4.125%
HK$25,412
baseline
▲ 0.50% · 4.625%
HK$26,751
+HK$1,339/mo
Deposit HK$528K · loan HK$4.75M · min. income ≈ HK$50,824/mo (50% DSR)
Upfront cash ≈ HK$647K (deposit + AVD stamp duty HK$118,799 · 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).