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$12,267
−HK$770/mo
▼ 0.25% · 3.875%
HK$12,649
−HK$388/mo
Today · 4.125%
HK$13,037
baseline
▲ 0.50% · 4.625%
HK$13,830
+HK$793/mo
Deposit HK$2.69M · loan HK$2.69M · min. income ≈ HK$26,074/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$121,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,647
−HK$738/mo
▼ 0.25% · 3.875%
HK$14,013
−HK$372/mo
Today · 4.125%
HK$14,385
baseline
▲ 0.50% · 4.625%
HK$15,143
+HK$758/mo
Deposit HK$2.69M · loan HK$2.69M · min. income ≈ HK$28,770/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$121,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,721
−HK$923/mo
▼ 0.25% · 3.875%
HK$15,179
−HK$465/mo
Today · 4.125%
HK$15,644
baseline
▲ 0.50% · 4.625%
HK$16,596
+HK$952/mo
Deposit HK$2.15M · loan HK$3.23M · min. income ≈ HK$31,288/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$121,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,377
−HK$885/mo
▼ 0.25% · 3.875%
HK$16,816
−HK$446/mo
Today · 4.125%
HK$17,262
baseline
▲ 0.50% · 4.625%
HK$18,172
+HK$910/mo
Deposit HK$2.15M · loan HK$3.23M · min. income ≈ HK$34,524/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$121,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,174
−HK$1,077/mo
▼ 0.25% · 3.875%
HK$17,709
−HK$542/mo
Today · 4.125%
HK$18,251
baseline
▲ 0.50% · 4.625%
HK$19,362
+HK$1,111/mo
Deposit HK$1.61M · loan HK$3.77M · min. income ≈ HK$36,502/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$121,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,106
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$19,619
−HK$520/mo
Today · 4.125%
HK$20,139
baseline
▲ 0.50% · 4.625%
HK$21,200
+HK$1,061/mo
Deposit HK$1.61M · loan HK$3.77M · min. income ≈ HK$40,278/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$121,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,081
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$22,768
−HK$698/mo
Today · 4.125%
HK$23,466
baseline
▲ 0.50% · 4.625%
HK$24,894
+HK$1,428/mo
Deposit HK$538K · loan HK$4.84M · min. income ≈ HK$46,932/mo (50% DSR)
Upfront cash ≈ HK$659K (deposit + AVD stamp duty HK$121,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,565
−HK$1,327/mo
▼ 0.25% · 3.875%
HK$25,224
−HK$668/mo
Today · 4.125%
HK$25,892
baseline
▲ 0.50% · 4.625%
HK$27,257
+HK$1,365/mo
Deposit HK$538K · loan HK$4.84M · min. income ≈ HK$51,784/mo (50% DSR)
Upfront cash ≈ HK$659K (deposit + AVD stamp duty HK$121,047 · 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).