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$12,131
−HK$761/mo
▼ 0.25% · 3.875%
HK$12,508
−HK$384/mo
Today · 4.125%
HK$12,892
baseline
▲ 0.50% · 4.625%
HK$13,676
+HK$784/mo
Deposit HK$2.66M · loan HK$2.66M · min. income ≈ HK$25,784/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$119,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,496
−HK$729/mo
▼ 0.25% · 3.875%
HK$13,857
−HK$368/mo
Today · 4.125%
HK$14,225
baseline
▲ 0.50% · 4.625%
HK$14,974
+HK$749/mo
Deposit HK$2.66M · loan HK$2.66M · min. income ≈ HK$28,450/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$119,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,557
−HK$913/mo
▼ 0.25% · 3.875%
HK$15,010
−HK$460/mo
Today · 4.125%
HK$15,470
baseline
▲ 0.50% · 4.625%
HK$16,411
+HK$941/mo
Deposit HK$2.13M · loan HK$3.19M · min. income ≈ HK$30,940/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$119,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,195
−HK$875/mo
▼ 0.25% · 3.875%
HK$16,629
−HK$441/mo
Today · 4.125%
HK$17,070
baseline
▲ 0.50% · 4.625%
HK$17,969
+HK$899/mo
Deposit HK$2.13M · loan HK$3.19M · min. income ≈ HK$34,140/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$119,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,983
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$17,512
−HK$536/mo
Today · 4.125%
HK$18,048
baseline
▲ 0.50% · 4.625%
HK$19,147
+HK$1,099/mo
Deposit HK$1.60M · loan HK$3.72M · min. income ≈ HK$36,096/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$119,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,894
−HK$1,021/mo
▼ 0.25% · 3.875%
HK$19,400
−HK$515/mo
Today · 4.125%
HK$19,915
baseline
▲ 0.50% · 4.625%
HK$20,964
+HK$1,049/mo
Deposit HK$1.60M · loan HK$3.72M · min. income ≈ HK$39,830/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$119,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,836
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$22,515
−HK$690/mo
Today · 4.125%
HK$23,205
baseline
▲ 0.50% · 4.625%
HK$24,617
+HK$1,412/mo
Deposit HK$532K · loan HK$4.79M · min. income ≈ HK$46,410/mo (50% DSR)
Upfront cash ≈ HK$652K (deposit + AVD stamp duty HK$119,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,292
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$24,943
−HK$661/mo
Today · 4.125%
HK$25,604
baseline
▲ 0.50% · 4.625%
HK$26,954
+HK$1,350/mo
Deposit HK$532K · loan HK$4.79M · min. income ≈ HK$51,208/mo (50% DSR)
Upfront cash ≈ HK$652K (deposit + AVD stamp duty HK$119,700 · 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).