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$12,275
−HK$769/mo
▼ 0.25% · 3.875%
HK$12,656
−HK$388/mo
Today · 4.125%
HK$13,044
baseline
▲ 0.50% · 4.625%
HK$13,838
+HK$794/mo
Deposit HK$2.69M · loan HK$2.69M · min. income ≈ HK$26,088/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$121,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,655
−HK$738/mo
▼ 0.25% · 3.875%
HK$14,022
−HK$371/mo
Today · 4.125%
HK$14,393
baseline
▲ 0.50% · 4.625%
HK$15,152
+HK$759/mo
Deposit HK$2.69M · loan HK$2.69M · min. income ≈ HK$28,786/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$121,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,730
−HK$923/mo
▼ 0.25% · 3.875%
HK$15,188
−HK$465/mo
Today · 4.125%
HK$15,653
baseline
▲ 0.50% · 4.625%
HK$16,606
+HK$953/mo
Deposit HK$2.15M · loan HK$3.23M · min. income ≈ HK$31,306/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$121,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,386
−HK$886/mo
▼ 0.25% · 3.875%
HK$16,826
−HK$446/mo
Today · 4.125%
HK$17,272
baseline
▲ 0.50% · 4.625%
HK$18,182
+HK$910/mo
Deposit HK$2.15M · loan HK$3.23M · min. income ≈ HK$34,544/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$121,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,184
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$17,719
−HK$543/mo
Today · 4.125%
HK$18,262
baseline
▲ 0.50% · 4.625%
HK$19,373
+HK$1,111/mo
Deposit HK$1.61M · loan HK$3.77M · min. income ≈ HK$36,524/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,118
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$19,630
−HK$520/mo
Today · 4.125%
HK$20,150
baseline
▲ 0.50% · 4.625%
HK$21,213
+HK$1,063/mo
Deposit HK$1.61M · loan HK$3.77M · min. income ≈ HK$40,300/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,094
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$22,782
−HK$698/mo
Today · 4.125%
HK$23,480
baseline
▲ 0.50% · 4.625%
HK$24,908
+HK$1,428/mo
Deposit HK$538K · loan HK$4.84M · min. income ≈ HK$46,960/mo (50% DSR)
Upfront cash ≈ HK$659K (deposit + AVD stamp duty HK$121,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,580
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$25,239
−HK$669/mo
Today · 4.125%
HK$25,908
baseline
▲ 0.50% · 4.625%
HK$27,273
+HK$1,365/mo
Deposit HK$538K · loan HK$4.84M · min. income ≈ HK$51,816/mo (50% DSR)
Upfront cash ≈ HK$659K (deposit + AVD stamp duty HK$121,118 · 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).