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$12,168
−HK$763/mo
▼ 0.25% · 3.875%
HK$12,546
−HK$385/mo
Today · 4.125%
HK$12,931
baseline
▲ 0.50% · 4.625%
HK$13,718
+HK$787/mo
Deposit HK$2.67M · loan HK$2.67M · min. income ≈ HK$25,862/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$120,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,537
−HK$731/mo
▼ 0.25% · 3.875%
HK$13,900
−HK$368/mo
Today · 4.125%
HK$14,268
baseline
▲ 0.50% · 4.625%
HK$15,020
+HK$752/mo
Deposit HK$2.67M · loan HK$2.67M · min. income ≈ HK$28,536/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$120,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,601
−HK$916/mo
▼ 0.25% · 3.875%
HK$15,056
−HK$461/mo
Today · 4.125%
HK$15,517
baseline
▲ 0.50% · 4.625%
HK$16,461
+HK$944/mo
Deposit HK$2.13M · loan HK$3.20M · min. income ≈ HK$31,034/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$120,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,244
−HK$878/mo
▼ 0.25% · 3.875%
HK$16,680
−HK$442/mo
Today · 4.125%
HK$17,122
baseline
▲ 0.50% · 4.625%
HK$18,024
+HK$902/mo
Deposit HK$2.13M · loan HK$3.20M · min. income ≈ HK$34,244/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$120,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,035
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$17,565
−HK$538/mo
Today · 4.125%
HK$18,103
baseline
▲ 0.50% · 4.625%
HK$19,205
+HK$1,102/mo
Deposit HK$1.60M · loan HK$3.74M · min. income ≈ HK$36,206/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$120,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,951
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$19,460
−HK$515/mo
Today · 4.125%
HK$19,975
baseline
▲ 0.50% · 4.625%
HK$21,028
+HK$1,053/mo
Deposit HK$1.60M · loan HK$3.74M · min. income ≈ HK$39,950/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$120,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,902
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$22,583
−HK$693/mo
Today · 4.125%
HK$23,276
baseline
▲ 0.50% · 4.625%
HK$24,692
+HK$1,416/mo
Deposit HK$534K · loan HK$4.80M · min. income ≈ HK$46,552/mo (50% DSR)
Upfront cash ≈ HK$654K (deposit + AVD stamp duty HK$120,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,366
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$25,019
−HK$663/mo
Today · 4.125%
HK$25,682
baseline
▲ 0.50% · 4.625%
HK$27,036
+HK$1,354/mo
Deposit HK$534K · loan HK$4.80M · min. income ≈ HK$51,364/mo (50% DSR)
Upfront cash ≈ HK$654K (deposit + AVD stamp duty HK$120,065 · 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).