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$12,129
−HK$761/mo
▼ 0.25% · 3.875%
HK$12,506
−HK$384/mo
Today · 4.125%
HK$12,890
baseline
▲ 0.50% · 4.625%
HK$13,674
+HK$784/mo
Deposit HK$2.66M · loan HK$2.66M · min. income ≈ HK$25,780/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$119,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,494
−HK$729/mo
▼ 0.25% · 3.875%
HK$13,855
−HK$368/mo
Today · 4.125%
HK$14,223
baseline
▲ 0.50% · 4.625%
HK$14,972
+HK$749/mo
Deposit HK$2.66M · loan HK$2.66M · min. income ≈ HK$28,446/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$119,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,555
−HK$913/mo
▼ 0.25% · 3.875%
HK$15,008
−HK$460/mo
Today · 4.125%
HK$15,468
baseline
▲ 0.50% · 4.625%
HK$16,409
+HK$941/mo
Deposit HK$2.13M · loan HK$3.19M · min. income ≈ HK$30,936/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$119,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,192
−HK$875/mo
▼ 0.25% · 3.875%
HK$16,627
−HK$440/mo
Today · 4.125%
HK$17,067
baseline
▲ 0.50% · 4.625%
HK$17,967
+HK$900/mo
Deposit HK$2.13M · loan HK$3.19M · min. income ≈ HK$34,134/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$119,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,981
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$17,509
−HK$537/mo
Today · 4.125%
HK$18,046
baseline
▲ 0.50% · 4.625%
HK$19,144
+HK$1,098/mo
Deposit HK$1.60M · loan HK$3.72M · min. income ≈ HK$36,092/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$119,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,891
−HK$1,021/mo
▼ 0.25% · 3.875%
HK$19,398
−HK$514/mo
Today · 4.125%
HK$19,912
baseline
▲ 0.50% · 4.625%
HK$20,961
+HK$1,049/mo
Deposit HK$1.60M · loan HK$3.72M · min. income ≈ HK$39,824/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$119,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,833
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$22,512
−HK$690/mo
Today · 4.125%
HK$23,202
baseline
▲ 0.50% · 4.625%
HK$24,613
+HK$1,411/mo
Deposit HK$532K · loan HK$4.79M · min. income ≈ HK$46,404/mo (50% DSR)
Upfront cash ≈ HK$652K (deposit + AVD stamp duty HK$119,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,288
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$24,940
−HK$661/mo
Today · 4.125%
HK$25,601
baseline
▲ 0.50% · 4.625%
HK$26,950
+HK$1,349/mo
Deposit HK$532K · loan HK$4.79M · min. income ≈ HK$51,202/mo (50% DSR)
Upfront cash ≈ HK$652K (deposit + AVD stamp duty HK$119,683 · 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).