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$12,138
−HK$761/mo
▼ 0.25% · 3.875%
HK$12,516
−HK$383/mo
Today · 4.125%
HK$12,899
baseline
▲ 0.50% · 4.625%
HK$13,684
+HK$785/mo
Deposit HK$2.66M · loan HK$2.66M · min. income ≈ HK$25,798/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$119,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,504
−HK$729/mo
▼ 0.25% · 3.875%
HK$13,866
−HK$367/mo
Today · 4.125%
HK$14,233
baseline
▲ 0.50% · 4.625%
HK$14,984
+HK$751/mo
Deposit HK$2.66M · loan HK$2.66M · min. income ≈ HK$28,466/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$119,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,566
−HK$913/mo
▼ 0.25% · 3.875%
HK$15,019
−HK$460/mo
Today · 4.125%
HK$15,479
baseline
▲ 0.50% · 4.625%
HK$16,421
+HK$942/mo
Deposit HK$2.13M · loan HK$3.19M · min. income ≈ HK$30,958/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$119,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,204
−HK$876/mo
▼ 0.25% · 3.875%
HK$16,639
−HK$441/mo
Today · 4.125%
HK$17,080
baseline
▲ 0.50% · 4.625%
HK$17,980
+HK$900/mo
Deposit HK$2.13M · loan HK$3.19M · min. income ≈ HK$34,160/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$119,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,994
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$17,522
−HK$537/mo
Today · 4.125%
HK$18,059
baseline
▲ 0.50% · 4.625%
HK$19,158
+HK$1,099/mo
Deposit HK$1.60M · loan HK$3.73M · min. income ≈ HK$36,118/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$119,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,905
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$19,412
−HK$515/mo
Today · 4.125%
HK$19,927
baseline
▲ 0.50% · 4.625%
HK$20,977
+HK$1,050/mo
Deposit HK$1.60M · loan HK$3.73M · min. income ≈ HK$39,854/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$119,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,849
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$22,529
−HK$690/mo
Today · 4.125%
HK$23,219
baseline
▲ 0.50% · 4.625%
HK$24,632
+HK$1,413/mo
Deposit HK$532K · loan HK$4.79M · min. income ≈ HK$46,438/mo (50% DSR)
Upfront cash ≈ HK$652K (deposit + AVD stamp duty HK$119,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,307
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$24,959
−HK$661/mo
Today · 4.125%
HK$25,620
baseline
▲ 0.50% · 4.625%
HK$26,970
+HK$1,350/mo
Deposit HK$532K · loan HK$4.79M · min. income ≈ HK$51,240/mo (50% DSR)
Upfront cash ≈ HK$652K (deposit + AVD stamp duty HK$119,773 · 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).