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$12,274
−HK$769/mo
▼ 0.25% · 3.875%
HK$12,655
−HK$388/mo
Today · 4.125%
HK$13,043
baseline
▲ 0.50% · 4.625%
HK$13,837
+HK$794/mo
Deposit HK$2.69M · loan HK$2.69M · min. income ≈ HK$26,086/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$121,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,654
−HK$738/mo
▼ 0.25% · 3.875%
HK$14,020
−HK$372/mo
Today · 4.125%
HK$14,392
baseline
▲ 0.50% · 4.625%
HK$15,150
+HK$758/mo
Deposit HK$2.69M · loan HK$2.69M · min. income ≈ HK$28,784/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$121,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,728
−HK$924/mo
▼ 0.25% · 3.875%
HK$15,186
−HK$466/mo
Today · 4.125%
HK$15,652
baseline
▲ 0.50% · 4.625%
HK$16,604
+HK$952/mo
Deposit HK$2.15M · loan HK$3.23M · min. income ≈ HK$31,304/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$121,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,385
−HK$885/mo
▼ 0.25% · 3.875%
HK$16,824
−HK$446/mo
Today · 4.125%
HK$17,270
baseline
▲ 0.50% · 4.625%
HK$18,181
+HK$911/mo
Deposit HK$2.15M · loan HK$3.23M · min. income ≈ HK$34,540/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$121,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,183
−HK$1,077/mo
▼ 0.25% · 3.875%
HK$17,717
−HK$543/mo
Today · 4.125%
HK$18,260
baseline
▲ 0.50% · 4.625%
HK$19,372
+HK$1,112/mo
Deposit HK$1.61M · loan HK$3.77M · min. income ≈ HK$36,520/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,116
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$19,629
−HK$520/mo
Today · 4.125%
HK$20,149
baseline
▲ 0.50% · 4.625%
HK$21,211
+HK$1,062/mo
Deposit HK$1.61M · loan HK$3.77M · min. income ≈ HK$40,298/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,092
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$22,780
−HK$698/mo
Today · 4.125%
HK$23,478
baseline
▲ 0.50% · 4.625%
HK$24,906
+HK$1,428/mo
Deposit HK$538K · loan HK$4.84M · min. income ≈ HK$46,956/mo (50% DSR)
Upfront cash ≈ HK$659K (deposit + AVD stamp duty HK$121,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,578
−HK$1,327/mo
▼ 0.25% · 3.875%
HK$25,237
−HK$668/mo
Today · 4.125%
HK$25,905
baseline
▲ 0.50% · 4.625%
HK$27,271
+HK$1,366/mo
Deposit HK$538K · loan HK$4.84M · min. income ≈ HK$51,810/mo (50% DSR)
Upfront cash ≈ HK$659K (deposit + AVD stamp duty HK$121,107 · 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).