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$12,153
−HK$762/mo
▼ 0.25% · 3.875%
HK$12,531
−HK$384/mo
Today · 4.125%
HK$12,915
baseline
▲ 0.50% · 4.625%
HK$13,701
+HK$786/mo
Deposit HK$2.66M · loan HK$2.66M · min. income ≈ HK$25,830/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$119,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,520
−HK$730/mo
▼ 0.25% · 3.875%
HK$13,883
−HK$367/mo
Today · 4.125%
HK$14,250
baseline
▲ 0.50% · 4.625%
HK$15,002
+HK$752/mo
Deposit HK$2.66M · loan HK$2.66M · min. income ≈ HK$28,500/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$119,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,583
−HK$915/mo
▼ 0.25% · 3.875%
HK$15,037
−HK$461/mo
Today · 4.125%
HK$15,498
baseline
▲ 0.50% · 4.625%
HK$16,441
+HK$943/mo
Deposit HK$2.13M · loan HK$3.20M · min. income ≈ HK$30,996/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$119,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,224
−HK$877/mo
▼ 0.25% · 3.875%
HK$16,659
−HK$442/mo
Today · 4.125%
HK$17,101
baseline
▲ 0.50% · 4.625%
HK$18,002
+HK$901/mo
Deposit HK$2.13M · loan HK$3.20M · min. income ≈ HK$34,202/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$119,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,014
−HK$1,067/mo
▼ 0.25% · 3.875%
HK$17,543
−HK$538/mo
Today · 4.125%
HK$18,081
baseline
▲ 0.50% · 4.625%
HK$19,181
+HK$1,100/mo
Deposit HK$1.60M · loan HK$3.73M · min. income ≈ HK$36,162/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$119,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,928
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$19,436
−HK$515/mo
Today · 4.125%
HK$19,951
baseline
▲ 0.50% · 4.625%
HK$21,002
+HK$1,051/mo
Deposit HK$1.60M · loan HK$3.73M · min. income ≈ HK$39,902/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$119,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,875
−HK$1,372/mo
▼ 0.25% · 3.875%
HK$22,556
−HK$691/mo
Today · 4.125%
HK$23,247
baseline
▲ 0.50% · 4.625%
HK$24,662
+HK$1,415/mo
Deposit HK$533K · loan HK$4.80M · min. income ≈ HK$46,494/mo (50% DSR)
Upfront cash ≈ HK$653K (deposit + AVD stamp duty HK$119,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,336
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$24,989
−HK$662/mo
Today · 4.125%
HK$25,651
baseline
▲ 0.50% · 4.625%
HK$27,003
+HK$1,352/mo
Deposit HK$533K · loan HK$4.80M · min. income ≈ HK$51,302/mo (50% DSR)
Upfront cash ≈ HK$653K (deposit + AVD stamp duty HK$119,917 · 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).