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$12,244
−HK$768/mo
▼ 0.25% · 3.875%
HK$12,625
−HK$387/mo
Today · 4.125%
HK$13,012
baseline
▲ 0.50% · 4.625%
HK$13,803
+HK$791/mo
Deposit HK$2.68M · loan HK$2.68M · min. income ≈ HK$26,024/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$120,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,621
−HK$736/mo
▼ 0.25% · 3.875%
HK$13,986
−HK$371/mo
Today · 4.125%
HK$14,357
baseline
▲ 0.50% · 4.625%
HK$15,114
+HK$757/mo
Deposit HK$2.68M · loan HK$2.68M · min. income ≈ HK$28,714/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$120,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,693
−HK$921/mo
▼ 0.25% · 3.875%
HK$15,150
−HK$464/mo
Today · 4.125%
HK$15,614
baseline
▲ 0.50% · 4.625%
HK$16,564
+HK$950/mo
Deposit HK$2.15M · loan HK$3.22M · min. income ≈ HK$31,228/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$120,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,345
−HK$883/mo
▼ 0.25% · 3.875%
HK$16,784
−HK$444/mo
Today · 4.125%
HK$17,228
baseline
▲ 0.50% · 4.625%
HK$18,137
+HK$909/mo
Deposit HK$2.15M · loan HK$3.22M · min. income ≈ HK$34,456/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$120,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,141
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$17,675
−HK$541/mo
Today · 4.125%
HK$18,216
baseline
▲ 0.50% · 4.625%
HK$19,325
+HK$1,109/mo
Deposit HK$1.61M · loan HK$3.76M · min. income ≈ HK$36,432/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,070
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$19,581
−HK$519/mo
Today · 4.125%
HK$20,100
baseline
▲ 0.50% · 4.625%
HK$21,159
+HK$1,059/mo
Deposit HK$1.61M · loan HK$3.76M · min. income ≈ HK$40,200/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,039
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$22,724
−HK$697/mo
Today · 4.125%
HK$23,421
baseline
▲ 0.50% · 4.625%
HK$24,846
+HK$1,425/mo
Deposit HK$537K · loan HK$4.83M · min. income ≈ HK$46,842/mo (50% DSR)
Upfront cash ≈ HK$658K (deposit + AVD stamp duty HK$120,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,518
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$25,176
−HK$667/mo
Today · 4.125%
HK$25,843
baseline
▲ 0.50% · 4.625%
HK$27,205
+HK$1,362/mo
Deposit HK$537K · loan HK$4.83M · min. income ≈ HK$51,686/mo (50% DSR)
Upfront cash ≈ HK$658K (deposit + AVD stamp duty HK$120,814 · 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).