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$12,123
−HK$761/mo
▼ 0.25% · 3.875%
HK$12,501
−HK$383/mo
Today · 4.125%
HK$12,884
baseline
▲ 0.50% · 4.625%
HK$13,668
+HK$784/mo
Deposit HK$2.66M · loan HK$2.66M · min. income ≈ HK$25,768/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$119,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,487
−HK$729/mo
▼ 0.25% · 3.875%
HK$13,849
−HK$367/mo
Today · 4.125%
HK$14,216
baseline
▲ 0.50% · 4.625%
HK$14,965
+HK$749/mo
Deposit HK$2.66M · loan HK$2.66M · min. income ≈ HK$28,432/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$119,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,548
−HK$912/mo
▼ 0.25% · 3.875%
HK$15,001
−HK$459/mo
Today · 4.125%
HK$15,460
baseline
▲ 0.50% · 4.625%
HK$16,401
+HK$941/mo
Deposit HK$2.13M · loan HK$3.19M · min. income ≈ HK$30,920/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$119,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,185
−HK$874/mo
▼ 0.25% · 3.875%
HK$16,619
−HK$440/mo
Today · 4.125%
HK$17,059
baseline
▲ 0.50% · 4.625%
HK$17,958
+HK$899/mo
Deposit HK$2.13M · loan HK$3.19M · min. income ≈ HK$34,118/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$119,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,973
−HK$1,064/mo
▼ 0.25% · 3.875%
HK$17,501
−HK$536/mo
Today · 4.125%
HK$18,037
baseline
▲ 0.50% · 4.625%
HK$19,135
+HK$1,098/mo
Deposit HK$1.60M · loan HK$3.72M · min. income ≈ HK$36,074/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,882
−HK$1,020/mo
▼ 0.25% · 3.875%
HK$19,389
−HK$513/mo
Today · 4.125%
HK$19,902
baseline
▲ 0.50% · 4.625%
HK$20,951
+HK$1,049/mo
Deposit HK$1.60M · loan HK$3.72M · min. income ≈ HK$39,804/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,822
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$22,501
−HK$690/mo
Today · 4.125%
HK$23,191
baseline
▲ 0.50% · 4.625%
HK$24,602
+HK$1,411/mo
Deposit HK$532K · loan HK$4.79M · min. income ≈ HK$46,382/mo (50% DSR)
Upfront cash ≈ HK$651K (deposit + AVD stamp duty HK$119,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,277
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$24,928
−HK$661/mo
Today · 4.125%
HK$25,589
baseline
▲ 0.50% · 4.625%
HK$26,937
+HK$1,348/mo
Deposit HK$532K · loan HK$4.79M · min. income ≈ HK$51,178/mo (50% DSR)
Upfront cash ≈ HK$651K (deposit + AVD stamp duty HK$119,627 · 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).