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$12,183
−HK$764/mo
▼ 0.25% · 3.875%
HK$12,562
−HK$385/mo
Today · 4.125%
HK$12,947
baseline
▲ 0.50% · 4.625%
HK$13,735
+HK$788/mo
Deposit HK$2.67M · loan HK$2.67M · min. income ≈ HK$25,894/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$120,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,554
−HK$732/mo
▼ 0.25% · 3.875%
HK$13,917
−HK$369/mo
Today · 4.125%
HK$14,286
baseline
▲ 0.50% · 4.625%
HK$15,039
+HK$753/mo
Deposit HK$2.67M · loan HK$2.67M · min. income ≈ HK$28,572/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$120,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,620
−HK$917/mo
▼ 0.25% · 3.875%
HK$15,075
−HK$462/mo
Today · 4.125%
HK$15,537
baseline
▲ 0.50% · 4.625%
HK$16,482
+HK$945/mo
Deposit HK$2.14M · loan HK$3.21M · min. income ≈ HK$31,074/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,265
−HK$878/mo
▼ 0.25% · 3.875%
HK$16,701
−HK$442/mo
Today · 4.125%
HK$17,143
baseline
▲ 0.50% · 4.625%
HK$18,047
+HK$904/mo
Deposit HK$2.14M · loan HK$3.21M · min. income ≈ HK$34,286/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,057
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$17,587
−HK$539/mo
Today · 4.125%
HK$18,126
baseline
▲ 0.50% · 4.625%
HK$19,229
+HK$1,103/mo
Deposit HK$1.60M · loan HK$3.74M · min. income ≈ HK$36,252/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$120,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,976
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$19,484
−HK$517/mo
Today · 4.125%
HK$20,001
baseline
▲ 0.50% · 4.625%
HK$21,055
+HK$1,054/mo
Deposit HK$1.60M · loan HK$3.74M · min. income ≈ HK$40,002/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$120,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,930
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$22,612
−HK$693/mo
Today · 4.125%
HK$23,305
baseline
▲ 0.50% · 4.625%
HK$24,724
+HK$1,419/mo
Deposit HK$534K · loan HK$4.81M · min. income ≈ HK$46,610/mo (50% DSR)
Upfront cash ≈ HK$655K (deposit + AVD stamp duty HK$120,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,397
−HK$1,318/mo
▼ 0.25% · 3.875%
HK$25,051
−HK$664/mo
Today · 4.125%
HK$25,715
baseline
▲ 0.50% · 4.625%
HK$27,071
+HK$1,356/mo
Deposit HK$534K · loan HK$4.81M · min. income ≈ HK$51,430/mo (50% DSR)
Upfront cash ≈ HK$655K (deposit + AVD stamp duty HK$120,218 · 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).