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$12,228
−HK$767/mo
▼ 0.25% · 3.875%
HK$12,608
−HK$387/mo
Today · 4.125%
HK$12,995
baseline
▲ 0.50% · 4.625%
HK$13,786
+HK$791/mo
Deposit HK$2.68M · loan HK$2.68M · min. income ≈ HK$25,990/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$120,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,604
−HK$735/mo
▼ 0.25% · 3.875%
HK$13,968
−HK$371/mo
Today · 4.125%
HK$14,339
baseline
▲ 0.50% · 4.625%
HK$15,094
+HK$755/mo
Deposit HK$2.68M · loan HK$2.68M · min. income ≈ HK$28,678/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$120,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,674
−HK$920/mo
▼ 0.25% · 3.875%
HK$15,130
−HK$464/mo
Today · 4.125%
HK$15,594
baseline
▲ 0.50% · 4.625%
HK$16,543
+HK$949/mo
Deposit HK$2.15M · loan HK$3.22M · min. income ≈ HK$31,188/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$120,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,324
−HK$882/mo
▼ 0.25% · 3.875%
HK$16,762
−HK$444/mo
Today · 4.125%
HK$17,206
baseline
▲ 0.50% · 4.625%
HK$18,113
+HK$907/mo
Deposit HK$2.15M · loan HK$3.22M · min. income ≈ HK$34,412/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$120,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,119
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$17,652
−HK$541/mo
Today · 4.125%
HK$18,193
baseline
▲ 0.50% · 4.625%
HK$19,300
+HK$1,107/mo
Deposit HK$1.61M · loan HK$3.75M · min. income ≈ HK$36,386/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,045
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$19,556
−HK$518/mo
Today · 4.125%
HK$20,074
baseline
▲ 0.50% · 4.625%
HK$21,132
+HK$1,058/mo
Deposit HK$1.61M · loan HK$3.75M · min. income ≈ HK$40,148/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,011
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$22,695
−HK$696/mo
Today · 4.125%
HK$23,391
baseline
▲ 0.50% · 4.625%
HK$24,814
+HK$1,423/mo
Deposit HK$536K · loan HK$4.83M · min. income ≈ HK$46,782/mo (50% DSR)
Upfront cash ≈ HK$657K (deposit + AVD stamp duty HK$120,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,486
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$25,143
−HK$666/mo
Today · 4.125%
HK$25,809
baseline
▲ 0.50% · 4.625%
HK$27,170
+HK$1,361/mo
Deposit HK$536K · loan HK$4.83M · min. income ≈ HK$51,618/mo (50% DSR)
Upfront cash ≈ HK$657K (deposit + AVD stamp duty HK$120,659 · 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).