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$12,289
−HK$771/mo
▼ 0.25% · 3.875%
HK$12,671
−HK$389/mo
Today · 4.125%
HK$13,060
baseline
▲ 0.50% · 4.625%
HK$13,854
+HK$794/mo
Deposit HK$2.69M · loan HK$2.69M · min. income ≈ HK$26,120/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$121,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,671
−HK$739/mo
▼ 0.25% · 3.875%
HK$14,038
−HK$372/mo
Today · 4.125%
HK$14,410
baseline
▲ 0.50% · 4.625%
HK$15,169
+HK$759/mo
Deposit HK$2.69M · loan HK$2.69M · min. income ≈ HK$28,820/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$121,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,747
−HK$924/mo
▼ 0.25% · 3.875%
HK$15,205
−HK$466/mo
Today · 4.125%
HK$15,671
baseline
▲ 0.50% · 4.625%
HK$16,625
+HK$954/mo
Deposit HK$2.16M · loan HK$3.23M · min. income ≈ HK$31,342/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,406
−HK$886/mo
▼ 0.25% · 3.875%
HK$16,846
−HK$446/mo
Today · 4.125%
HK$17,292
baseline
▲ 0.50% · 4.625%
HK$18,203
+HK$911/mo
Deposit HK$2.16M · loan HK$3.23M · min. income ≈ HK$34,584/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,204
−HK$1,079/mo
▼ 0.25% · 3.875%
HK$17,740
−HK$543/mo
Today · 4.125%
HK$18,283
baseline
▲ 0.50% · 4.625%
HK$19,396
+HK$1,113/mo
Deposit HK$1.62M · loan HK$3.77M · min. income ≈ HK$36,566/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,140
−HK$1,034/mo
▼ 0.25% · 3.875%
HK$19,653
−HK$521/mo
Today · 4.125%
HK$20,174
baseline
▲ 0.50% · 4.625%
HK$21,237
+HK$1,063/mo
Deposit HK$1.62M · loan HK$3.77M · min. income ≈ HK$40,348/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,120
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$22,808
−HK$699/mo
Today · 4.125%
HK$23,507
baseline
▲ 0.50% · 4.625%
HK$24,938
+HK$1,431/mo
Deposit HK$539K · loan HK$4.85M · min. income ≈ HK$47,014/mo (50% DSR)
Upfront cash ≈ HK$660K (deposit + AVD stamp duty HK$121,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,608
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$25,268
−HK$670/mo
Today · 4.125%
HK$25,938
baseline
▲ 0.50% · 4.625%
HK$27,305
+HK$1,367/mo
Deposit HK$539K · loan HK$4.85M · min. income ≈ HK$51,876/mo (50% DSR)
Upfront cash ≈ HK$660K (deposit + AVD stamp duty HK$121,259 · 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).