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$12,149
−HK$761/mo
▼ 0.25% · 3.875%
HK$12,527
−HK$383/mo
Today · 4.125%
HK$12,910
baseline
▲ 0.50% · 4.625%
HK$13,696
+HK$786/mo
Deposit HK$2.66M · loan HK$2.66M · min. income ≈ HK$25,820/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$119,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,515
−HK$730/mo
▼ 0.25% · 3.875%
HK$13,878
−HK$367/mo
Today · 4.125%
HK$14,245
baseline
▲ 0.50% · 4.625%
HK$14,996
+HK$751/mo
Deposit HK$2.66M · loan HK$2.66M · min. income ≈ HK$28,490/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$119,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,578
−HK$915/mo
▼ 0.25% · 3.875%
HK$15,032
−HK$461/mo
Today · 4.125%
HK$15,493
baseline
▲ 0.50% · 4.625%
HK$16,435
+HK$942/mo
Deposit HK$2.13M · loan HK$3.20M · min. income ≈ HK$30,986/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$119,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,218
−HK$877/mo
▼ 0.25% · 3.875%
HK$16,653
−HK$442/mo
Today · 4.125%
HK$17,095
baseline
▲ 0.50% · 4.625%
HK$17,996
+HK$901/mo
Deposit HK$2.13M · loan HK$3.20M · min. income ≈ HK$34,190/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$119,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,008
−HK$1,067/mo
▼ 0.25% · 3.875%
HK$17,537
−HK$538/mo
Today · 4.125%
HK$18,075
baseline
▲ 0.50% · 4.625%
HK$19,174
+HK$1,099/mo
Deposit HK$1.60M · loan HK$3.73M · min. income ≈ HK$36,150/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$119,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,921
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$19,429
−HK$515/mo
Today · 4.125%
HK$19,944
baseline
▲ 0.50% · 4.625%
HK$20,995
+HK$1,051/mo
Deposit HK$1.60M · loan HK$3.73M · min. income ≈ HK$39,888/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$119,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,868
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$22,548
−HK$691/mo
Today · 4.125%
HK$23,239
baseline
▲ 0.50% · 4.625%
HK$24,653
+HK$1,414/mo
Deposit HK$533K · loan HK$4.79M · min. income ≈ HK$46,478/mo (50% DSR)
Upfront cash ≈ HK$653K (deposit + AVD stamp duty HK$119,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,327
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$24,980
−HK$662/mo
Today · 4.125%
HK$25,642
baseline
▲ 0.50% · 4.625%
HK$26,993
+HK$1,351/mo
Deposit HK$533K · loan HK$4.79M · min. income ≈ HK$51,284/mo (50% DSR)
Upfront cash ≈ HK$653K (deposit + AVD stamp duty HK$119,875 · 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).