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$12,060
−HK$756/mo
▼ 0.25% · 3.875%
HK$12,435
−HK$381/mo
Today · 4.125%
HK$12,816
baseline
▲ 0.50% · 4.625%
HK$13,596
+HK$780/mo
Deposit HK$2.64M · loan HK$2.64M · min. income ≈ HK$25,632/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$119,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,417
−HK$725/mo
▼ 0.25% · 3.875%
HK$13,777
−HK$365/mo
Today · 4.125%
HK$14,142
baseline
▲ 0.50% · 4.625%
HK$14,887
+HK$745/mo
Deposit HK$2.64M · loan HK$2.64M · min. income ≈ HK$28,284/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$119,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,472
−HK$908/mo
▼ 0.25% · 3.875%
HK$14,922
−HK$458/mo
Today · 4.125%
HK$15,380
baseline
▲ 0.50% · 4.625%
HK$16,315
+HK$935/mo
Deposit HK$2.12M · loan HK$3.17M · min. income ≈ HK$30,760/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$119,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,100
−HK$870/mo
▼ 0.25% · 3.875%
HK$16,532
−HK$438/mo
Today · 4.125%
HK$16,970
baseline
▲ 0.50% · 4.625%
HK$17,864
+HK$894/mo
Deposit HK$2.12M · loan HK$3.17M · min. income ≈ HK$33,940/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$119,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,884
−HK$1,059/mo
▼ 0.25% · 3.875%
HK$17,409
−HK$534/mo
Today · 4.125%
HK$17,943
baseline
▲ 0.50% · 4.625%
HK$19,035
+HK$1,092/mo
Deposit HK$1.59M · loan HK$3.70M · min. income ≈ HK$35,886/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,783
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$19,287
−HK$511/mo
Today · 4.125%
HK$19,798
baseline
▲ 0.50% · 4.625%
HK$20,842
+HK$1,044/mo
Deposit HK$1.59M · loan HK$3.70M · min. income ≈ HK$39,596/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,708
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$22,383
−HK$686/mo
Today · 4.125%
HK$23,069
baseline
▲ 0.50% · 4.625%
HK$24,473
+HK$1,404/mo
Deposit HK$529K · loan HK$4.76M · min. income ≈ HK$46,138/mo (50% DSR)
Upfront cash ≈ HK$648K (deposit + AVD stamp duty HK$119,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,150
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$24,798
−HK$657/mo
Today · 4.125%
HK$25,455
baseline
▲ 0.50% · 4.625%
HK$26,797
+HK$1,342/mo
Deposit HK$529K · loan HK$4.76M · min. income ≈ HK$50,910/mo (50% DSR)
Upfront cash ≈ HK$648K (deposit + AVD stamp duty HK$119,001 · 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).