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$12,268
−HK$769/mo
▼ 0.25% · 3.875%
HK$12,650
−HK$387/mo
Today · 4.125%
HK$13,037
baseline
▲ 0.50% · 4.625%
HK$13,831
+HK$794/mo
Deposit HK$2.69M · loan HK$2.69M · min. income ≈ HK$26,074/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$121,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,648
−HK$737/mo
▼ 0.25% · 3.875%
HK$14,014
−HK$371/mo
Today · 4.125%
HK$14,385
baseline
▲ 0.50% · 4.625%
HK$15,144
+HK$759/mo
Deposit HK$2.69M · loan HK$2.69M · min. income ≈ HK$28,770/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$121,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,722
−HK$923/mo
▼ 0.25% · 3.875%
HK$15,179
−HK$466/mo
Today · 4.125%
HK$15,645
baseline
▲ 0.50% · 4.625%
HK$16,597
+HK$952/mo
Deposit HK$2.15M · loan HK$3.23M · min. income ≈ HK$31,290/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$121,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,378
−HK$884/mo
▼ 0.25% · 3.875%
HK$16,817
−HK$445/mo
Today · 4.125%
HK$17,262
baseline
▲ 0.50% · 4.625%
HK$18,172
+HK$910/mo
Deposit HK$2.15M · loan HK$3.23M · min. income ≈ HK$34,524/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$121,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,175
−HK$1,077/mo
▼ 0.25% · 3.875%
HK$17,709
−HK$543/mo
Today · 4.125%
HK$18,252
baseline
▲ 0.50% · 4.625%
HK$19,363
+HK$1,111/mo
Deposit HK$1.61M · loan HK$3.77M · min. income ≈ HK$36,504/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,107
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$19,620
−HK$519/mo
Today · 4.125%
HK$20,139
baseline
▲ 0.50% · 4.625%
HK$21,201
+HK$1,062/mo
Deposit HK$1.61M · loan HK$3.77M · min. income ≈ HK$40,278/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,082
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$22,769
−HK$698/mo
Today · 4.125%
HK$23,467
baseline
▲ 0.50% · 4.625%
HK$24,895
+HK$1,428/mo
Deposit HK$538K · loan HK$4.84M · min. income ≈ HK$46,934/mo (50% DSR)
Upfront cash ≈ HK$659K (deposit + AVD stamp duty HK$121,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,566
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$25,225
−HK$669/mo
Today · 4.125%
HK$25,894
baseline
▲ 0.50% · 4.625%
HK$27,258
+HK$1,364/mo
Deposit HK$538K · loan HK$4.84M · min. income ≈ HK$51,788/mo (50% DSR)
Upfront cash ≈ HK$659K (deposit + AVD stamp duty HK$121,052 · 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).