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$12,197
−HK$765/mo
▼ 0.25% · 3.875%
HK$12,576
−HK$386/mo
Today · 4.125%
HK$12,962
baseline
▲ 0.50% · 4.625%
HK$13,750
+HK$788/mo
Deposit HK$2.67M · loan HK$2.67M · min. income ≈ HK$25,924/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$120,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,569
−HK$733/mo
▼ 0.25% · 3.875%
HK$13,933
−HK$369/mo
Today · 4.125%
HK$14,302
baseline
▲ 0.50% · 4.625%
HK$15,056
+HK$754/mo
Deposit HK$2.67M · loan HK$2.67M · min. income ≈ HK$28,604/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$120,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,636
−HK$918/mo
▼ 0.25% · 3.875%
HK$15,091
−HK$463/mo
Today · 4.125%
HK$15,554
baseline
▲ 0.50% · 4.625%
HK$16,500
+HK$946/mo
Deposit HK$2.14M · loan HK$3.21M · min. income ≈ HK$31,108/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,282
−HK$880/mo
▼ 0.25% · 3.875%
HK$16,719
−HK$443/mo
Today · 4.125%
HK$17,162
baseline
▲ 0.50% · 4.625%
HK$18,067
+HK$905/mo
Deposit HK$2.14M · loan HK$3.21M · min. income ≈ HK$34,324/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,075
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$17,607
−HK$539/mo
Today · 4.125%
HK$18,146
baseline
▲ 0.50% · 4.625%
HK$19,250
+HK$1,104/mo
Deposit HK$1.60M · loan HK$3.74M · min. income ≈ HK$36,292/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$120,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,996
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$19,506
−HK$516/mo
Today · 4.125%
HK$20,022
baseline
▲ 0.50% · 4.625%
HK$21,078
+HK$1,056/mo
Deposit HK$1.60M · loan HK$3.74M · min. income ≈ HK$40,044/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$120,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,954
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$22,637
−HK$694/mo
Today · 4.125%
HK$23,331
baseline
▲ 0.50% · 4.625%
HK$24,750
+HK$1,419/mo
Deposit HK$535K · loan HK$4.81M · min. income ≈ HK$46,662/mo (50% DSR)
Upfront cash ≈ HK$655K (deposit + AVD stamp duty HK$120,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,424
−HK$1,319/mo
▼ 0.25% · 3.875%
HK$25,079
−HK$664/mo
Today · 4.125%
HK$25,743
baseline
▲ 0.50% · 4.625%
HK$27,100
+HK$1,357/mo
Deposit HK$535K · loan HK$4.81M · min. income ≈ HK$51,486/mo (50% DSR)
Upfront cash ≈ HK$655K (deposit + AVD stamp duty HK$120,349 · 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).