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$12,224
−HK$766/mo
▼ 0.25% · 3.875%
HK$12,604
−HK$386/mo
Today · 4.125%
HK$12,990
baseline
▲ 0.50% · 4.625%
HK$13,781
+HK$791/mo
Deposit HK$2.68M · loan HK$2.68M · min. income ≈ HK$25,980/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$120,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,599
−HK$735/mo
▼ 0.25% · 3.875%
HK$13,964
−HK$370/mo
Today · 4.125%
HK$14,334
baseline
▲ 0.50% · 4.625%
HK$15,089
+HK$755/mo
Deposit HK$2.68M · loan HK$2.68M · min. income ≈ HK$28,668/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$120,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,669
−HK$919/mo
▼ 0.25% · 3.875%
HK$15,125
−HK$463/mo
Today · 4.125%
HK$15,588
baseline
▲ 0.50% · 4.625%
HK$16,537
+HK$949/mo
Deposit HK$2.14M · loan HK$3.22M · min. income ≈ HK$31,176/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,319
−HK$881/mo
▼ 0.25% · 3.875%
HK$16,756
−HK$444/mo
Today · 4.125%
HK$17,200
baseline
▲ 0.50% · 4.625%
HK$18,107
+HK$907/mo
Deposit HK$2.14M · loan HK$3.22M · min. income ≈ HK$34,400/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,113
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$17,646
−HK$541/mo
Today · 4.125%
HK$18,187
baseline
▲ 0.50% · 4.625%
HK$19,293
+HK$1,106/mo
Deposit HK$1.61M · loan HK$3.75M · min. income ≈ HK$36,374/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,038
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$19,549
−HK$518/mo
Today · 4.125%
HK$20,067
baseline
▲ 0.50% · 4.625%
HK$21,125
+HK$1,058/mo
Deposit HK$1.61M · loan HK$3.75M · min. income ≈ HK$40,134/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,003
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$22,687
−HK$696/mo
Today · 4.125%
HK$23,383
baseline
▲ 0.50% · 4.625%
HK$24,805
+HK$1,422/mo
Deposit HK$536K · loan HK$4.82M · min. income ≈ HK$46,766/mo (50% DSR)
Upfront cash ≈ HK$657K (deposit + AVD stamp duty HK$120,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,478
−HK$1,322/mo
▼ 0.25% · 3.875%
HK$25,134
−HK$666/mo
Today · 4.125%
HK$25,800
baseline
▲ 0.50% · 4.625%
HK$27,160
+HK$1,360/mo
Deposit HK$536K · loan HK$4.82M · min. income ≈ HK$51,600/mo (50% DSR)
Upfront cash ≈ HK$657K (deposit + AVD stamp duty HK$120,617 · 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).