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$12,193
−HK$764/mo
▼ 0.25% · 3.875%
HK$12,572
−HK$385/mo
Today · 4.125%
HK$12,957
baseline
▲ 0.50% · 4.625%
HK$13,746
+HK$789/mo
Deposit HK$2.67M · loan HK$2.67M · min. income ≈ HK$25,914/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$120,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,564
−HK$733/mo
▼ 0.25% · 3.875%
HK$13,928
−HK$369/mo
Today · 4.125%
HK$14,297
baseline
▲ 0.50% · 4.625%
HK$15,051
+HK$754/mo
Deposit HK$2.67M · loan HK$2.67M · min. income ≈ HK$28,594/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$120,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,631
−HK$918/mo
▼ 0.25% · 3.875%
HK$15,086
−HK$463/mo
Today · 4.125%
HK$15,549
baseline
▲ 0.50% · 4.625%
HK$16,495
+HK$946/mo
Deposit HK$2.14M · loan HK$3.21M · min. income ≈ HK$31,098/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,277
−HK$880/mo
▼ 0.25% · 3.875%
HK$16,714
−HK$443/mo
Today · 4.125%
HK$17,157
baseline
▲ 0.50% · 4.625%
HK$18,061
+HK$904/mo
Deposit HK$2.14M · loan HK$3.21M · min. income ≈ HK$34,314/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,070
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$17,601
−HK$539/mo
Today · 4.125%
HK$18,140
baseline
▲ 0.50% · 4.625%
HK$19,244
+HK$1,104/mo
Deposit HK$1.60M · loan HK$3.74M · min. income ≈ HK$36,280/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$120,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,990
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$19,499
−HK$517/mo
Today · 4.125%
HK$20,016
baseline
▲ 0.50% · 4.625%
HK$21,071
+HK$1,055/mo
Deposit HK$1.60M · loan HK$3.74M · min. income ≈ HK$40,032/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$120,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,947
−HK$1,376/mo
▼ 0.25% · 3.875%
HK$22,630
−HK$693/mo
Today · 4.125%
HK$23,323
baseline
▲ 0.50% · 4.625%
HK$24,742
+HK$1,419/mo
Deposit HK$535K · loan HK$4.81M · min. income ≈ HK$46,646/mo (50% DSR)
Upfront cash ≈ HK$655K (deposit + AVD stamp duty HK$120,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,416
−HK$1,319/mo
▼ 0.25% · 3.875%
HK$25,071
−HK$664/mo
Today · 4.125%
HK$25,735
baseline
▲ 0.50% · 4.625%
HK$27,091
+HK$1,356/mo
Deposit HK$535K · loan HK$4.81M · min. income ≈ HK$51,470/mo (50% DSR)
Upfront cash ≈ HK$655K (deposit + AVD stamp duty HK$120,311 · 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).