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$12,269
−HK$769/mo
▼ 0.25% · 3.875%
HK$12,650
−HK$388/mo
Today · 4.125%
HK$13,038
baseline
▲ 0.50% · 4.625%
HK$13,831
+HK$793/mo
Deposit HK$2.69M · loan HK$2.69M · min. income ≈ HK$26,076/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$121,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,649
−HK$737/mo
▼ 0.25% · 3.875%
HK$14,015
−HK$371/mo
Today · 4.125%
HK$14,386
baseline
▲ 0.50% · 4.625%
HK$15,145
+HK$759/mo
Deposit HK$2.69M · loan HK$2.69M · min. income ≈ HK$28,772/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$121,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,722
−HK$924/mo
▼ 0.25% · 3.875%
HK$15,180
−HK$466/mo
Today · 4.125%
HK$15,646
baseline
▲ 0.50% · 4.625%
HK$16,598
+HK$952/mo
Deposit HK$2.15M · loan HK$3.23M · min. income ≈ HK$31,292/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$121,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,379
−HK$884/mo
▼ 0.25% · 3.875%
HK$16,818
−HK$445/mo
Today · 4.125%
HK$17,263
baseline
▲ 0.50% · 4.625%
HK$18,173
+HK$910/mo
Deposit HK$2.15M · loan HK$3.23M · min. income ≈ HK$34,526/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$121,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,176
−HK$1,077/mo
▼ 0.25% · 3.875%
HK$17,710
−HK$543/mo
Today · 4.125%
HK$18,253
baseline
▲ 0.50% · 4.625%
HK$19,364
+HK$1,111/mo
Deposit HK$1.61M · loan HK$3.77M · min. income ≈ HK$36,506/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,108
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$19,621
−HK$520/mo
Today · 4.125%
HK$20,141
baseline
▲ 0.50% · 4.625%
HK$21,202
+HK$1,061/mo
Deposit HK$1.61M · loan HK$3.77M · min. income ≈ HK$40,282/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,084
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$22,771
−HK$698/mo
Today · 4.125%
HK$23,469
baseline
▲ 0.50% · 4.625%
HK$24,897
+HK$1,428/mo
Deposit HK$538K · loan HK$4.84M · min. income ≈ HK$46,938/mo (50% DSR)
Upfront cash ≈ HK$659K (deposit + AVD stamp duty HK$121,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,568
−HK$1,327/mo
▼ 0.25% · 3.875%
HK$25,227
−HK$668/mo
Today · 4.125%
HK$25,895
baseline
▲ 0.50% · 4.625%
HK$27,260
+HK$1,365/mo
Deposit HK$538K · loan HK$4.84M · min. income ≈ HK$51,790/mo (50% DSR)
Upfront cash ≈ HK$659K (deposit + AVD stamp duty HK$121,060 · 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).