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$12,007
−HK$753/mo
▼ 0.25% · 3.875%
HK$12,381
−HK$379/mo
Today · 4.125%
HK$12,760
baseline
▲ 0.50% · 4.625%
HK$13,536
+HK$776/mo
Deposit HK$2.63M · loan HK$2.63M · min. income ≈ HK$25,520/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$118,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,358
−HK$721/mo
▼ 0.25% · 3.875%
HK$13,716
−HK$363/mo
Today · 4.125%
HK$14,079
baseline
▲ 0.50% · 4.625%
HK$14,822
+HK$743/mo
Deposit HK$2.63M · loan HK$2.63M · min. income ≈ HK$28,158/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$118,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,409
−HK$903/mo
▼ 0.25% · 3.875%
HK$14,857
−HK$455/mo
Today · 4.125%
HK$15,312
baseline
▲ 0.50% · 4.625%
HK$16,244
+HK$932/mo
Deposit HK$2.11M · loan HK$3.16M · min. income ≈ HK$30,624/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$118,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,029
−HK$866/mo
▼ 0.25% · 3.875%
HK$16,459
−HK$436/mo
Today · 4.125%
HK$16,895
baseline
▲ 0.50% · 4.625%
HK$17,786
+HK$891/mo
Deposit HK$2.11M · loan HK$3.16M · min. income ≈ HK$33,790/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$118,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,810
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$17,333
−HK$531/mo
Today · 4.125%
HK$17,864
baseline
▲ 0.50% · 4.625%
HK$18,951
+HK$1,087/mo
Deposit HK$1.58M · loan HK$3.69M · min. income ≈ HK$35,728/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,701
−HK$1,010/mo
▼ 0.25% · 3.875%
HK$19,202
−HK$509/mo
Today · 4.125%
HK$19,711
baseline
▲ 0.50% · 4.625%
HK$20,750
+HK$1,039/mo
Deposit HK$1.58M · loan HK$3.69M · min. income ≈ HK$39,422/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,613
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$22,285
−HK$683/mo
Today · 4.125%
HK$22,968
baseline
▲ 0.50% · 4.625%
HK$24,366
+HK$1,398/mo
Deposit HK$527K · loan HK$4.74M · min. income ≈ HK$45,936/mo (50% DSR)
Upfront cash ≈ HK$645K (deposit + AVD stamp duty HK$118,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,044
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$24,689
−HK$654/mo
Today · 4.125%
HK$25,343
baseline
▲ 0.50% · 4.625%
HK$26,679
+HK$1,336/mo
Deposit HK$527K · loan HK$4.74M · min. income ≈ HK$50,686/mo (50% DSR)
Upfront cash ≈ HK$645K (deposit + AVD stamp duty HK$118,478 · 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).