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$12,276
−HK$770/mo
▼ 0.25% · 3.875%
HK$12,658
−HK$388/mo
Today · 4.125%
HK$13,046
baseline
▲ 0.50% · 4.625%
HK$13,840
+HK$794/mo
Deposit HK$2.69M · loan HK$2.69M · min. income ≈ HK$26,092/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$121,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,657
−HK$738/mo
▼ 0.25% · 3.875%
HK$14,024
−HK$371/mo
Today · 4.125%
HK$14,395
baseline
▲ 0.50% · 4.625%
HK$15,154
+HK$759/mo
Deposit HK$2.69M · loan HK$2.69M · min. income ≈ HK$28,790/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$121,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,732
−HK$924/mo
▼ 0.25% · 3.875%
HK$15,190
−HK$466/mo
Today · 4.125%
HK$15,656
baseline
▲ 0.50% · 4.625%
HK$16,608
+HK$952/mo
Deposit HK$2.15M · loan HK$3.23M · min. income ≈ HK$31,312/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$121,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,389
−HK$885/mo
▼ 0.25% · 3.875%
HK$16,829
−HK$445/mo
Today · 4.125%
HK$17,274
baseline
▲ 0.50% · 4.625%
HK$18,185
+HK$911/mo
Deposit HK$2.15M · loan HK$3.23M · min. income ≈ HK$34,548/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$121,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,187
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$17,722
−HK$543/mo
Today · 4.125%
HK$18,265
baseline
▲ 0.50% · 4.625%
HK$19,376
+HK$1,111/mo
Deposit HK$1.62M · loan HK$3.77M · min. income ≈ HK$36,530/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,120
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$19,633
−HK$520/mo
Today · 4.125%
HK$20,153
baseline
▲ 0.50% · 4.625%
HK$21,216
+HK$1,063/mo
Deposit HK$1.62M · loan HK$3.77M · min. income ≈ HK$40,306/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,098
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$22,785
−HK$698/mo
Today · 4.125%
HK$23,483
baseline
▲ 0.50% · 4.625%
HK$24,912
+HK$1,429/mo
Deposit HK$538K · loan HK$4.85M · min. income ≈ HK$46,966/mo (50% DSR)
Upfront cash ≈ HK$660K (deposit + AVD stamp duty HK$121,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,583
−HK$1,329/mo
▼ 0.25% · 3.875%
HK$25,243
−HK$669/mo
Today · 4.125%
HK$25,912
baseline
▲ 0.50% · 4.625%
HK$27,277
+HK$1,365/mo
Deposit HK$538K · loan HK$4.85M · min. income ≈ HK$51,824/mo (50% DSR)
Upfront cash ≈ HK$660K (deposit + AVD stamp duty HK$121,137 · 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).