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$12,257
−HK$768/mo
▼ 0.25% · 3.875%
HK$12,638
−HK$387/mo
Today · 4.125%
HK$13,025
baseline
▲ 0.50% · 4.625%
HK$13,818
+HK$793/mo
Deposit HK$2.69M · loan HK$2.69M · min. income ≈ HK$26,050/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$120,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,636
−HK$736/mo
▼ 0.25% · 3.875%
HK$14,001
−HK$371/mo
Today · 4.125%
HK$14,372
baseline
▲ 0.50% · 4.625%
HK$15,130
+HK$758/mo
Deposit HK$2.69M · loan HK$2.69M · min. income ≈ HK$28,744/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$120,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,708
−HK$923/mo
▼ 0.25% · 3.875%
HK$15,166
−HK$465/mo
Today · 4.125%
HK$15,631
baseline
▲ 0.50% · 4.625%
HK$16,582
+HK$951/mo
Deposit HK$2.15M · loan HK$3.23M · min. income ≈ HK$31,262/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$120,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,363
−HK$884/mo
▼ 0.25% · 3.875%
HK$16,802
−HK$445/mo
Today · 4.125%
HK$17,247
baseline
▲ 0.50% · 4.625%
HK$18,156
+HK$909/mo
Deposit HK$2.15M · loan HK$3.23M · min. income ≈ HK$34,494/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$120,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,160
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$17,693
−HK$543/mo
Today · 4.125%
HK$18,236
baseline
▲ 0.50% · 4.625%
HK$19,345
+HK$1,109/mo
Deposit HK$1.61M · loan HK$3.76M · min. income ≈ HK$36,472/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,090
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$19,602
−HK$519/mo
Today · 4.125%
HK$20,121
baseline
▲ 0.50% · 4.625%
HK$21,182
+HK$1,061/mo
Deposit HK$1.61M · loan HK$3.76M · min. income ≈ HK$40,242/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,062
−HK$1,384/mo
▼ 0.25% · 3.875%
HK$22,749
−HK$697/mo
Today · 4.125%
HK$23,446
baseline
▲ 0.50% · 4.625%
HK$24,872
+HK$1,426/mo
Deposit HK$538K · loan HK$4.84M · min. income ≈ HK$46,892/mo (50% DSR)
Upfront cash ≈ HK$658K (deposit + AVD stamp duty HK$120,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,544
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$25,202
−HK$668/mo
Today · 4.125%
HK$25,870
baseline
▲ 0.50% · 4.625%
HK$27,234
+HK$1,364/mo
Deposit HK$538K · loan HK$4.84M · min. income ≈ HK$51,740/mo (50% DSR)
Upfront cash ≈ HK$658K (deposit + AVD stamp duty HK$120,943 · 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).