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$12,130
−HK$761/mo
▼ 0.25% · 3.875%
HK$12,507
−HK$384/mo
Today · 4.125%
HK$12,891
baseline
▲ 0.50% · 4.625%
HK$13,675
+HK$784/mo
Deposit HK$2.66M · loan HK$2.66M · min. income ≈ HK$25,782/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$119,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,495
−HK$729/mo
▼ 0.25% · 3.875%
HK$13,856
−HK$368/mo
Today · 4.125%
HK$14,224
baseline
▲ 0.50% · 4.625%
HK$14,973
+HK$749/mo
Deposit HK$2.66M · loan HK$2.66M · min. income ≈ HK$28,448/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$119,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,556
−HK$913/mo
▼ 0.25% · 3.875%
HK$15,009
−HK$460/mo
Today · 4.125%
HK$15,469
baseline
▲ 0.50% · 4.625%
HK$16,410
+HK$941/mo
Deposit HK$2.13M · loan HK$3.19M · min. income ≈ HK$30,938/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$119,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,193
−HK$875/mo
▼ 0.25% · 3.875%
HK$16,628
−HK$440/mo
Today · 4.125%
HK$17,068
baseline
▲ 0.50% · 4.625%
HK$17,968
+HK$900/mo
Deposit HK$2.13M · loan HK$3.19M · min. income ≈ HK$34,136/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$119,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,982
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$17,510
−HK$537/mo
Today · 4.125%
HK$18,047
baseline
▲ 0.50% · 4.625%
HK$19,145
+HK$1,098/mo
Deposit HK$1.60M · loan HK$3.72M · min. income ≈ HK$36,094/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$119,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,892
−HK$1,021/mo
▼ 0.25% · 3.875%
HK$19,399
−HK$514/mo
Today · 4.125%
HK$19,913
baseline
▲ 0.50% · 4.625%
HK$20,963
+HK$1,050/mo
Deposit HK$1.60M · loan HK$3.72M · min. income ≈ HK$39,826/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$119,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,834
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$22,513
−HK$690/mo
Today · 4.125%
HK$23,203
baseline
▲ 0.50% · 4.625%
HK$24,615
+HK$1,412/mo
Deposit HK$532K · loan HK$4.79M · min. income ≈ HK$46,406/mo (50% DSR)
Upfront cash ≈ HK$652K (deposit + AVD stamp duty HK$119,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,290
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$24,942
−HK$661/mo
Today · 4.125%
HK$25,603
baseline
▲ 0.50% · 4.625%
HK$26,952
+HK$1,349/mo
Deposit HK$532K · loan HK$4.79M · min. income ≈ HK$51,206/mo (50% DSR)
Upfront cash ≈ HK$652K (deposit + AVD stamp duty HK$119,691 · 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).