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$12,279
−HK$770/mo
▼ 0.25% · 3.875%
HK$12,661
−HK$388/mo
Today · 4.125%
HK$13,049
baseline
▲ 0.50% · 4.625%
HK$13,843
+HK$794/mo
Deposit HK$2.69M · loan HK$2.69M · min. income ≈ HK$26,098/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$121,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,660
−HK$738/mo
▼ 0.25% · 3.875%
HK$14,027
−HK$371/mo
Today · 4.125%
HK$14,398
baseline
▲ 0.50% · 4.625%
HK$15,157
+HK$759/mo
Deposit HK$2.69M · loan HK$2.69M · min. income ≈ HK$28,796/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$121,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,735
−HK$924/mo
▼ 0.25% · 3.875%
HK$15,193
−HK$466/mo
Today · 4.125%
HK$15,659
baseline
▲ 0.50% · 4.625%
HK$16,612
+HK$953/mo
Deposit HK$2.15M · loan HK$3.23M · min. income ≈ HK$31,318/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,392
−HK$886/mo
▼ 0.25% · 3.875%
HK$16,832
−HK$446/mo
Today · 4.125%
HK$17,278
baseline
▲ 0.50% · 4.625%
HK$18,189
+HK$911/mo
Deposit HK$2.15M · loan HK$3.23M · min. income ≈ HK$34,556/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,191
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$17,725
−HK$544/mo
Today · 4.125%
HK$18,269
baseline
▲ 0.50% · 4.625%
HK$19,380
+HK$1,111/mo
Deposit HK$1.62M · loan HK$3.77M · min. income ≈ HK$36,538/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,124
−HK$1,034/mo
▼ 0.25% · 3.875%
HK$19,637
−HK$521/mo
Today · 4.125%
HK$20,158
baseline
▲ 0.50% · 4.625%
HK$21,220
+HK$1,062/mo
Deposit HK$1.62M · loan HK$3.77M · min. income ≈ HK$40,316/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,102
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$22,790
−HK$698/mo
Today · 4.125%
HK$23,488
baseline
▲ 0.50% · 4.625%
HK$24,917
+HK$1,429/mo
Deposit HK$538K · loan HK$4.85M · min. income ≈ HK$46,976/mo (50% DSR)
Upfront cash ≈ HK$660K (deposit + AVD stamp duty HK$121,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,588
−HK$1,329/mo
▼ 0.25% · 3.875%
HK$25,248
−HK$669/mo
Today · 4.125%
HK$25,917
baseline
▲ 0.50% · 4.625%
HK$27,283
+HK$1,366/mo
Deposit HK$538K · loan HK$4.85M · min. income ≈ HK$51,834/mo (50% DSR)
Upfront cash ≈ HK$660K (deposit + AVD stamp duty HK$121,161 · 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).