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$12,142
−HK$762/mo
▼ 0.25% · 3.875%
HK$12,520
−HK$384/mo
Today · 4.125%
HK$12,904
baseline
▲ 0.50% · 4.625%
HK$13,689
+HK$785/mo
Deposit HK$2.66M · loan HK$2.66M · min. income ≈ HK$25,808/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$119,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,508
−HK$730/mo
▼ 0.25% · 3.875%
HK$13,871
−HK$367/mo
Today · 4.125%
HK$14,238
baseline
▲ 0.50% · 4.625%
HK$14,989
+HK$751/mo
Deposit HK$2.66M · loan HK$2.66M · min. income ≈ HK$28,476/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$119,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,571
−HK$914/mo
▼ 0.25% · 3.875%
HK$15,024
−HK$461/mo
Today · 4.125%
HK$15,485
baseline
▲ 0.50% · 4.625%
HK$16,427
+HK$942/mo
Deposit HK$2.13M · loan HK$3.19M · min. income ≈ HK$30,970/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$119,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,210
−HK$876/mo
▼ 0.25% · 3.875%
HK$16,645
−HK$441/mo
Today · 4.125%
HK$17,086
baseline
▲ 0.50% · 4.625%
HK$17,986
+HK$900/mo
Deposit HK$2.13M · loan HK$3.19M · min. income ≈ HK$34,172/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$119,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,999
−HK$1,066/mo
▼ 0.25% · 3.875%
HK$17,528
−HK$537/mo
Today · 4.125%
HK$18,065
baseline
▲ 0.50% · 4.625%
HK$19,165
+HK$1,100/mo
Deposit HK$1.60M · loan HK$3.73M · min. income ≈ HK$36,130/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$119,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,912
−HK$1,021/mo
▼ 0.25% · 3.875%
HK$19,419
−HK$514/mo
Today · 4.125%
HK$19,933
baseline
▲ 0.50% · 4.625%
HK$20,984
+HK$1,051/mo
Deposit HK$1.60M · loan HK$3.73M · min. income ≈ HK$39,866/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$119,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,856
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$22,536
−HK$691/mo
Today · 4.125%
HK$23,227
baseline
▲ 0.50% · 4.625%
HK$24,640
+HK$1,413/mo
Deposit HK$532K · loan HK$4.79M · min. income ≈ HK$46,454/mo (50% DSR)
Upfront cash ≈ HK$652K (deposit + AVD stamp duty HK$119,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,315
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$24,967
−HK$661/mo
Today · 4.125%
HK$25,628
baseline
▲ 0.50% · 4.625%
HK$26,979
+HK$1,351/mo
Deposit HK$532K · loan HK$4.79M · min. income ≈ HK$51,256/mo (50% DSR)
Upfront cash ≈ HK$652K (deposit + AVD stamp duty HK$119,813 · 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).