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$12,126
−HK$760/mo
▼ 0.25% · 3.875%
HK$12,503
−HK$383/mo
Today · 4.125%
HK$12,886
baseline
▲ 0.50% · 4.625%
HK$13,670
+HK$784/mo
Deposit HK$2.66M · loan HK$2.66M · min. income ≈ HK$25,772/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$119,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,490
−HK$729/mo
▼ 0.25% · 3.875%
HK$13,852
−HK$367/mo
Today · 4.125%
HK$14,219
baseline
▲ 0.50% · 4.625%
HK$14,968
+HK$749/mo
Deposit HK$2.66M · loan HK$2.66M · min. income ≈ HK$28,438/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$119,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,551
−HK$913/mo
▼ 0.25% · 3.875%
HK$15,004
−HK$460/mo
Today · 4.125%
HK$15,464
baseline
▲ 0.50% · 4.625%
HK$16,405
+HK$941/mo
Deposit HK$2.13M · loan HK$3.19M · min. income ≈ HK$30,928/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$119,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,188
−HK$875/mo
▼ 0.25% · 3.875%
HK$16,622
−HK$441/mo
Today · 4.125%
HK$17,063
baseline
▲ 0.50% · 4.625%
HK$17,962
+HK$899/mo
Deposit HK$2.13M · loan HK$3.19M · min. income ≈ HK$34,126/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$119,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,976
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$17,504
−HK$537/mo
Today · 4.125%
HK$18,041
baseline
▲ 0.50% · 4.625%
HK$19,139
+HK$1,098/mo
Deposit HK$1.60M · loan HK$3.72M · min. income ≈ HK$36,082/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,886
−HK$1,020/mo
▼ 0.25% · 3.875%
HK$19,393
−HK$513/mo
Today · 4.125%
HK$19,906
baseline
▲ 0.50% · 4.625%
HK$20,956
+HK$1,050/mo
Deposit HK$1.60M · loan HK$3.72M · min. income ≈ HK$39,812/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,827
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$22,506
−HK$689/mo
Today · 4.125%
HK$23,195
baseline
▲ 0.50% · 4.625%
HK$24,607
+HK$1,412/mo
Deposit HK$532K · loan HK$4.79M · min. income ≈ HK$46,390/mo (50% DSR)
Upfront cash ≈ HK$651K (deposit + AVD stamp duty HK$119,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,282
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$24,933
−HK$661/mo
Today · 4.125%
HK$25,594
baseline
▲ 0.50% · 4.625%
HK$26,943
+HK$1,349/mo
Deposit HK$532K · loan HK$4.79M · min. income ≈ HK$51,188/mo (50% DSR)
Upfront cash ≈ HK$651K (deposit + AVD stamp duty HK$119,651 · 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).