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$12,209
−HK$766/mo
▼ 0.25% · 3.875%
HK$12,589
−HK$386/mo
Today · 4.125%
HK$12,975
baseline
▲ 0.50% · 4.625%
HK$13,764
+HK$789/mo
Deposit HK$2.68M · loan HK$2.68M · min. income ≈ HK$25,950/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$120,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,582
−HK$734/mo
▼ 0.25% · 3.875%
HK$13,947
−HK$369/mo
Today · 4.125%
HK$14,316
baseline
▲ 0.50% · 4.625%
HK$15,071
+HK$755/mo
Deposit HK$2.68M · loan HK$2.68M · min. income ≈ HK$28,632/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$120,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,651
−HK$918/mo
▼ 0.25% · 3.875%
HK$15,106
−HK$463/mo
Today · 4.125%
HK$15,569
baseline
▲ 0.50% · 4.625%
HK$16,517
+HK$948/mo
Deposit HK$2.14M · loan HK$3.21M · min. income ≈ HK$31,138/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,299
−HK$880/mo
▼ 0.25% · 3.875%
HK$16,736
−HK$443/mo
Today · 4.125%
HK$17,179
baseline
▲ 0.50% · 4.625%
HK$18,085
+HK$906/mo
Deposit HK$2.14M · loan HK$3.21M · min. income ≈ HK$34,358/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,092
−HK$1,072/mo
▼ 0.25% · 3.875%
HK$17,624
−HK$540/mo
Today · 4.125%
HK$18,164
baseline
▲ 0.50% · 4.625%
HK$19,270
+HK$1,106/mo
Deposit HK$1.61M · loan HK$3.75M · min. income ≈ HK$36,328/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,015
−HK$1,028/mo
▼ 0.25% · 3.875%
HK$19,525
−HK$518/mo
Today · 4.125%
HK$20,043
baseline
▲ 0.50% · 4.625%
HK$21,099
+HK$1,056/mo
Deposit HK$1.61M · loan HK$3.75M · min. income ≈ HK$40,086/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,976
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$22,660
−HK$694/mo
Today · 4.125%
HK$23,354
baseline
▲ 0.50% · 4.625%
HK$24,775
+HK$1,421/mo
Deposit HK$535K · loan HK$4.82M · min. income ≈ HK$46,708/mo (50% DSR)
Upfront cash ≈ HK$656K (deposit + AVD stamp duty HK$120,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,448
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$25,104
−HK$665/mo
Today · 4.125%
HK$25,769
baseline
▲ 0.50% · 4.625%
HK$27,127
+HK$1,358/mo
Deposit HK$535K · loan HK$4.82M · min. income ≈ HK$51,538/mo (50% DSR)
Upfront cash ≈ HK$656K (deposit + AVD stamp duty HK$120,470 · 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).