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$12,181
−HK$764/mo
▼ 0.25% · 3.875%
HK$12,560
−HK$385/mo
Today · 4.125%
HK$12,945
baseline
▲ 0.50% · 4.625%
HK$13,733
+HK$788/mo
Deposit HK$2.67M · loan HK$2.67M · min. income ≈ HK$25,890/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$120,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,551
−HK$733/mo
▼ 0.25% · 3.875%
HK$13,915
−HK$369/mo
Today · 4.125%
HK$14,284
baseline
▲ 0.50% · 4.625%
HK$15,037
+HK$753/mo
Deposit HK$2.67M · loan HK$2.67M · min. income ≈ HK$28,568/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$120,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,617
−HK$917/mo
▼ 0.25% · 3.875%
HK$15,072
−HK$462/mo
Today · 4.125%
HK$15,534
baseline
▲ 0.50% · 4.625%
HK$16,479
+HK$945/mo
Deposit HK$2.14M · loan HK$3.21M · min. income ≈ HK$31,068/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,262
−HK$878/mo
▼ 0.25% · 3.875%
HK$16,698
−HK$442/mo
Today · 4.125%
HK$17,140
baseline
▲ 0.50% · 4.625%
HK$18,044
+HK$904/mo
Deposit HK$2.14M · loan HK$3.21M · min. income ≈ HK$34,280/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,054
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$17,584
−HK$539/mo
Today · 4.125%
HK$18,123
baseline
▲ 0.50% · 4.625%
HK$19,226
+HK$1,103/mo
Deposit HK$1.60M · loan HK$3.74M · min. income ≈ HK$36,246/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$120,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,972
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$19,481
−HK$516/mo
Today · 4.125%
HK$19,997
baseline
▲ 0.50% · 4.625%
HK$21,051
+HK$1,054/mo
Deposit HK$1.60M · loan HK$3.74M · min. income ≈ HK$39,994/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$120,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,926
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$22,608
−HK$693/mo
Today · 4.125%
HK$23,301
baseline
▲ 0.50% · 4.625%
HK$24,719
+HK$1,418/mo
Deposit HK$534K · loan HK$4.81M · min. income ≈ HK$46,602/mo (50% DSR)
Upfront cash ≈ HK$654K (deposit + AVD stamp duty HK$120,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,393
−HK$1,318/mo
▼ 0.25% · 3.875%
HK$25,047
−HK$664/mo
Today · 4.125%
HK$25,711
baseline
▲ 0.50% · 4.625%
HK$27,066
+HK$1,355/mo
Deposit HK$534K · loan HK$4.81M · min. income ≈ HK$51,422/mo (50% DSR)
Upfront cash ≈ HK$654K (deposit + AVD stamp duty HK$120,196 · 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).