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$12,273
−HK$770/mo
▼ 0.25% · 3.875%
HK$12,655
−HK$388/mo
Today · 4.125%
HK$13,043
baseline
▲ 0.50% · 4.625%
HK$13,836
+HK$793/mo
Deposit HK$2.69M · loan HK$2.69M · min. income ≈ HK$26,086/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$121,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,653
−HK$738/mo
▼ 0.25% · 3.875%
HK$14,020
−HK$371/mo
Today · 4.125%
HK$14,391
baseline
▲ 0.50% · 4.625%
HK$15,150
+HK$759/mo
Deposit HK$2.69M · loan HK$2.69M · min. income ≈ HK$28,782/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$121,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,728
−HK$923/mo
▼ 0.25% · 3.875%
HK$15,186
−HK$465/mo
Today · 4.125%
HK$15,651
baseline
▲ 0.50% · 4.625%
HK$16,603
+HK$952/mo
Deposit HK$2.15M · loan HK$3.23M · min. income ≈ HK$31,302/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$121,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,384
−HK$885/mo
▼ 0.25% · 3.875%
HK$16,824
−HK$445/mo
Today · 4.125%
HK$17,269
baseline
▲ 0.50% · 4.625%
HK$18,180
+HK$911/mo
Deposit HK$2.15M · loan HK$3.23M · min. income ≈ HK$34,538/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$121,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,182
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$17,717
−HK$543/mo
Today · 4.125%
HK$18,260
baseline
▲ 0.50% · 4.625%
HK$19,371
+HK$1,111/mo
Deposit HK$1.61M · loan HK$3.77M · min. income ≈ HK$36,520/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,115
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$19,628
−HK$520/mo
Today · 4.125%
HK$20,148
baseline
▲ 0.50% · 4.625%
HK$21,210
+HK$1,062/mo
Deposit HK$1.61M · loan HK$3.77M · min. income ≈ HK$40,296/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,091
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$22,778
−HK$699/mo
Today · 4.125%
HK$23,477
baseline
▲ 0.50% · 4.625%
HK$24,905
+HK$1,428/mo
Deposit HK$538K · loan HK$4.84M · min. income ≈ HK$46,954/mo (50% DSR)
Upfront cash ≈ HK$659K (deposit + AVD stamp duty HK$121,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,576
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$25,235
−HK$669/mo
Today · 4.125%
HK$25,904
baseline
▲ 0.50% · 4.625%
HK$27,270
+HK$1,366/mo
Deposit HK$538K · loan HK$4.84M · min. income ≈ HK$51,808/mo (50% DSR)
Upfront cash ≈ HK$659K (deposit + AVD stamp duty HK$121,101 · 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).