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$12,122
−HK$760/mo
▼ 0.25% · 3.875%
HK$12,499
−HK$383/mo
Today · 4.125%
HK$12,882
baseline
▲ 0.50% · 4.625%
HK$13,666
+HK$784/mo
Deposit HK$2.66M · loan HK$2.66M · min. income ≈ HK$25,764/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$119,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,486
−HK$728/mo
▼ 0.25% · 3.875%
HK$13,847
−HK$367/mo
Today · 4.125%
HK$14,214
baseline
▲ 0.50% · 4.625%
HK$14,963
+HK$749/mo
Deposit HK$2.66M · loan HK$2.66M · min. income ≈ HK$28,428/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$119,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,546
−HK$913/mo
▼ 0.25% · 3.875%
HK$14,999
−HK$460/mo
Today · 4.125%
HK$15,459
baseline
▲ 0.50% · 4.625%
HK$16,399
+HK$940/mo
Deposit HK$2.13M · loan HK$3.19M · min. income ≈ HK$30,918/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$119,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,183
−HK$874/mo
▼ 0.25% · 3.875%
HK$16,617
−HK$440/mo
Today · 4.125%
HK$17,057
baseline
▲ 0.50% · 4.625%
HK$17,956
+HK$899/mo
Deposit HK$2.13M · loan HK$3.19M · min. income ≈ HK$34,114/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$119,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,971
−HK$1,064/mo
▼ 0.25% · 3.875%
HK$17,499
−HK$536/mo
Today · 4.125%
HK$18,035
baseline
▲ 0.50% · 4.625%
HK$19,132
+HK$1,097/mo
Deposit HK$1.59M · loan HK$3.72M · min. income ≈ HK$36,070/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,880
−HK$1,020/mo
▼ 0.25% · 3.875%
HK$19,386
−HK$514/mo
Today · 4.125%
HK$19,900
baseline
▲ 0.50% · 4.625%
HK$20,949
+HK$1,049/mo
Deposit HK$1.59M · loan HK$3.72M · min. income ≈ HK$39,800/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,820
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$22,498
−HK$690/mo
Today · 4.125%
HK$23,188
baseline
▲ 0.50% · 4.625%
HK$24,599
+HK$1,411/mo
Deposit HK$532K · loan HK$4.78M · min. income ≈ HK$46,376/mo (50% DSR)
Upfront cash ≈ HK$651K (deposit + AVD stamp duty HK$119,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,274
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$24,925
−HK$661/mo
Today · 4.125%
HK$25,586
baseline
▲ 0.50% · 4.625%
HK$26,934
+HK$1,348/mo
Deposit HK$532K · loan HK$4.78M · min. income ≈ HK$51,172/mo (50% DSR)
Upfront cash ≈ HK$651K (deposit + AVD stamp duty HK$119,612 · 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).