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$12,168
−HK$763/mo
▼ 0.25% · 3.875%
HK$12,547
−HK$384/mo
Today · 4.125%
HK$12,931
baseline
▲ 0.50% · 4.625%
HK$13,718
+HK$787/mo
Deposit HK$2.67M · loan HK$2.67M · min. income ≈ HK$25,862/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$120,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,537
−HK$731/mo
▼ 0.25% · 3.875%
HK$13,900
−HK$368/mo
Today · 4.125%
HK$14,268
baseline
▲ 0.50% · 4.625%
HK$15,020
+HK$752/mo
Deposit HK$2.67M · loan HK$2.67M · min. income ≈ HK$28,536/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$120,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,602
−HK$915/mo
▼ 0.25% · 3.875%
HK$15,056
−HK$461/mo
Today · 4.125%
HK$15,517
baseline
▲ 0.50% · 4.625%
HK$16,462
+HK$945/mo
Deposit HK$2.13M · loan HK$3.20M · min. income ≈ HK$31,034/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$120,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,244
−HK$878/mo
▼ 0.25% · 3.875%
HK$16,680
−HK$442/mo
Today · 4.125%
HK$17,122
baseline
▲ 0.50% · 4.625%
HK$18,025
+HK$903/mo
Deposit HK$2.13M · loan HK$3.20M · min. income ≈ HK$34,244/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$120,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,035
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$17,565
−HK$539/mo
Today · 4.125%
HK$18,104
baseline
▲ 0.50% · 4.625%
HK$19,205
+HK$1,101/mo
Deposit HK$1.60M · loan HK$3.74M · min. income ≈ HK$36,208/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$120,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,952
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$19,460
−HK$516/mo
Today · 4.125%
HK$19,976
baseline
▲ 0.50% · 4.625%
HK$21,029
+HK$1,053/mo
Deposit HK$1.60M · loan HK$3.74M · min. income ≈ HK$39,952/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$120,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,903
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$22,584
−HK$692/mo
Today · 4.125%
HK$23,276
baseline
▲ 0.50% · 4.625%
HK$24,693
+HK$1,417/mo
Deposit HK$534K · loan HK$4.80M · min. income ≈ HK$46,552/mo (50% DSR)
Upfront cash ≈ HK$654K (deposit + AVD stamp duty HK$120,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,367
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$25,020
−HK$663/mo
Today · 4.125%
HK$25,683
baseline
▲ 0.50% · 4.625%
HK$27,037
+HK$1,354/mo
Deposit HK$534K · loan HK$4.80M · min. income ≈ HK$51,366/mo (50% DSR)
Upfront cash ≈ HK$654K (deposit + AVD stamp duty HK$120,068 · 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).