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$12,216
−HK$766/mo
▼ 0.25% · 3.875%
HK$12,596
−HK$386/mo
Today · 4.125%
HK$12,982
baseline
▲ 0.50% · 4.625%
HK$13,772
+HK$790/mo
Deposit HK$2.68M · loan HK$2.68M · min. income ≈ HK$25,964/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$120,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,590
−HK$734/mo
▼ 0.25% · 3.875%
HK$13,954
−HK$370/mo
Today · 4.125%
HK$14,324
baseline
▲ 0.50% · 4.625%
HK$15,079
+HK$755/mo
Deposit HK$2.68M · loan HK$2.68M · min. income ≈ HK$28,648/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$120,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,659
−HK$919/mo
▼ 0.25% · 3.875%
HK$15,115
−HK$463/mo
Today · 4.125%
HK$15,578
baseline
▲ 0.50% · 4.625%
HK$16,526
+HK$948/mo
Deposit HK$2.14M · loan HK$3.21M · min. income ≈ HK$31,156/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,308
−HK$881/mo
▼ 0.25% · 3.875%
HK$16,745
−HK$444/mo
Today · 4.125%
HK$17,189
baseline
▲ 0.50% · 4.625%
HK$18,095
+HK$906/mo
Deposit HK$2.14M · loan HK$3.21M · min. income ≈ HK$34,378/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,102
−HK$1,072/mo
▼ 0.25% · 3.875%
HK$17,634
−HK$540/mo
Today · 4.125%
HK$18,174
baseline
▲ 0.50% · 4.625%
HK$19,280
+HK$1,106/mo
Deposit HK$1.61M · loan HK$3.75M · min. income ≈ HK$36,348/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,026
−HK$1,028/mo
▼ 0.25% · 3.875%
HK$19,536
−HK$518/mo
Today · 4.125%
HK$20,054
baseline
▲ 0.50% · 4.625%
HK$21,111
+HK$1,057/mo
Deposit HK$1.61M · loan HK$3.75M · min. income ≈ HK$40,108/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,988
−HK$1,379/mo
▼ 0.25% · 3.875%
HK$22,672
−HK$695/mo
Today · 4.125%
HK$23,367
baseline
▲ 0.50% · 4.625%
HK$24,789
+HK$1,422/mo
Deposit HK$536K · loan HK$4.82M · min. income ≈ HK$46,734/mo (50% DSR)
Upfront cash ≈ HK$656K (deposit + AVD stamp duty HK$120,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,461
−HK$1,322/mo
▼ 0.25% · 3.875%
HK$25,118
−HK$665/mo
Today · 4.125%
HK$25,783
baseline
▲ 0.50% · 4.625%
HK$27,142
+HK$1,359/mo
Deposit HK$536K · loan HK$4.82M · min. income ≈ HK$51,566/mo (50% DSR)
Upfront cash ≈ HK$656K (deposit + AVD stamp duty HK$120,536 · 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).