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$12,086
−HK$758/mo
▼ 0.25% · 3.875%
HK$12,462
−HK$382/mo
Today · 4.125%
HK$12,844
baseline
▲ 0.50% · 4.625%
HK$13,625
+HK$781/mo
Deposit HK$2.65M · loan HK$2.65M · min. income ≈ HK$25,688/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$119,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,446
−HK$726/mo
▼ 0.25% · 3.875%
HK$13,806
−HK$366/mo
Today · 4.125%
HK$14,172
baseline
▲ 0.50% · 4.625%
HK$14,919
+HK$747/mo
Deposit HK$2.65M · loan HK$2.65M · min. income ≈ HK$28,344/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$119,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,503
−HK$910/mo
▼ 0.25% · 3.875%
HK$14,954
−HK$459/mo
Today · 4.125%
HK$15,413
baseline
▲ 0.50% · 4.625%
HK$16,351
+HK$938/mo
Deposit HK$2.12M · loan HK$3.18M · min. income ≈ HK$30,826/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,135
−HK$871/mo
▼ 0.25% · 3.875%
HK$16,567
−HK$439/mo
Today · 4.125%
HK$17,006
baseline
▲ 0.50% · 4.625%
HK$17,903
+HK$897/mo
Deposit HK$2.12M · loan HK$3.18M · min. income ≈ HK$34,012/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,920
−HK$1,061/mo
▼ 0.25% · 3.875%
HK$17,447
−HK$534/mo
Today · 4.125%
HK$17,981
baseline
▲ 0.50% · 4.625%
HK$19,076
+HK$1,095/mo
Deposit HK$1.59M · loan HK$3.71M · min. income ≈ HK$35,962/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,824
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$19,329
−HK$512/mo
Today · 4.125%
HK$19,841
baseline
▲ 0.50% · 4.625%
HK$20,887
+HK$1,046/mo
Deposit HK$1.59M · loan HK$3.71M · min. income ≈ HK$39,682/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,755
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$22,432
−HK$687/mo
Today · 4.125%
HK$23,119
baseline
▲ 0.50% · 4.625%
HK$24,526
+HK$1,407/mo
Deposit HK$530K · loan HK$4.77M · min. income ≈ HK$46,238/mo (50% DSR)
Upfront cash ≈ HK$649K (deposit + AVD stamp duty HK$119,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,202
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$24,851
−HK$659/mo
Today · 4.125%
HK$25,510
baseline
▲ 0.50% · 4.625%
HK$26,854
+HK$1,344/mo
Deposit HK$530K · loan HK$4.77M · min. income ≈ HK$51,020/mo (50% DSR)
Upfront cash ≈ HK$649K (deposit + AVD stamp duty HK$119,257 · 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).