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$12,146
−HK$762/mo
▼ 0.25% · 3.875%
HK$12,524
−HK$384/mo
Today · 4.125%
HK$12,908
baseline
▲ 0.50% · 4.625%
HK$13,693
+HK$785/mo
Deposit HK$2.66M · loan HK$2.66M · min. income ≈ HK$25,816/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$119,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,512
−HK$730/mo
▼ 0.25% · 3.875%
HK$13,875
−HK$367/mo
Today · 4.125%
HK$14,242
baseline
▲ 0.50% · 4.625%
HK$14,993
+HK$751/mo
Deposit HK$2.66M · loan HK$2.66M · min. income ≈ HK$28,484/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$119,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,575
−HK$914/mo
▼ 0.25% · 3.875%
HK$15,029
−HK$460/mo
Today · 4.125%
HK$15,489
baseline
▲ 0.50% · 4.625%
HK$16,432
+HK$943/mo
Deposit HK$2.13M · loan HK$3.20M · min. income ≈ HK$30,978/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$119,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,215
−HK$876/mo
▼ 0.25% · 3.875%
HK$16,650
−HK$441/mo
Today · 4.125%
HK$17,091
baseline
▲ 0.50% · 4.625%
HK$17,992
+HK$901/mo
Deposit HK$2.13M · loan HK$3.20M · min. income ≈ HK$34,182/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$119,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,005
−HK$1,066/mo
▼ 0.25% · 3.875%
HK$17,533
−HK$538/mo
Today · 4.125%
HK$18,071
baseline
▲ 0.50% · 4.625%
HK$19,170
+HK$1,099/mo
Deposit HK$1.60M · loan HK$3.73M · min. income ≈ HK$36,142/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$119,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,917
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$19,425
−HK$514/mo
Today · 4.125%
HK$19,939
baseline
▲ 0.50% · 4.625%
HK$20,990
+HK$1,051/mo
Deposit HK$1.60M · loan HK$3.73M · min. income ≈ HK$39,878/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$119,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,863
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$22,543
−HK$691/mo
Today · 4.125%
HK$23,234
baseline
▲ 0.50% · 4.625%
HK$24,648
+HK$1,414/mo
Deposit HK$533K · loan HK$4.79M · min. income ≈ HK$46,468/mo (50% DSR)
Upfront cash ≈ HK$653K (deposit + AVD stamp duty HK$119,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,322
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$24,975
−HK$661/mo
Today · 4.125%
HK$25,636
baseline
▲ 0.50% · 4.625%
HK$26,988
+HK$1,352/mo
Deposit HK$533K · loan HK$4.79M · min. income ≈ HK$51,272/mo (50% DSR)
Upfront cash ≈ HK$653K (deposit + AVD stamp duty HK$119,850 · 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).