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$12,210
−HK$765/mo
▼ 0.25% · 3.875%
HK$12,589
−HK$386/mo
Today · 4.125%
HK$12,975
baseline
▲ 0.50% · 4.625%
HK$13,765
+HK$790/mo
Deposit HK$2.68M · loan HK$2.68M · min. income ≈ HK$25,950/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$120,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,583
−HK$734/mo
▼ 0.25% · 3.875%
HK$13,947
−HK$370/mo
Today · 4.125%
HK$14,317
baseline
▲ 0.50% · 4.625%
HK$15,072
+HK$755/mo
Deposit HK$2.68M · loan HK$2.68M · min. income ≈ HK$28,634/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$120,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,652
−HK$918/mo
▼ 0.25% · 3.875%
HK$15,107
−HK$463/mo
Today · 4.125%
HK$15,570
baseline
▲ 0.50% · 4.625%
HK$16,518
+HK$948/mo
Deposit HK$2.14M · loan HK$3.21M · min. income ≈ HK$31,140/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,300
−HK$880/mo
▼ 0.25% · 3.875%
HK$16,737
−HK$443/mo
Today · 4.125%
HK$17,180
baseline
▲ 0.50% · 4.625%
HK$18,086
+HK$906/mo
Deposit HK$2.14M · loan HK$3.21M · min. income ≈ HK$34,360/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,093
−HK$1,072/mo
▼ 0.25% · 3.875%
HK$17,625
−HK$540/mo
Today · 4.125%
HK$18,165
baseline
▲ 0.50% · 4.625%
HK$19,271
+HK$1,106/mo
Deposit HK$1.61M · loan HK$3.75M · min. income ≈ HK$36,330/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,016
−HK$1,028/mo
▼ 0.25% · 3.875%
HK$19,526
−HK$518/mo
Today · 4.125%
HK$20,044
baseline
▲ 0.50% · 4.625%
HK$21,100
+HK$1,056/mo
Deposit HK$1.61M · loan HK$3.75M · min. income ≈ HK$40,088/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,977
−HK$1,379/mo
▼ 0.25% · 3.875%
HK$22,661
−HK$695/mo
Today · 4.125%
HK$23,356
baseline
▲ 0.50% · 4.625%
HK$24,777
+HK$1,421/mo
Deposit HK$535K · loan HK$4.82M · min. income ≈ HK$46,712/mo (50% DSR)
Upfront cash ≈ HK$656K (deposit + AVD stamp duty HK$120,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,450
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$25,105
−HK$666/mo
Today · 4.125%
HK$25,771
baseline
▲ 0.50% · 4.625%
HK$27,129
+HK$1,358/mo
Deposit HK$535K · loan HK$4.82M · min. income ≈ HK$51,542/mo (50% DSR)
Upfront cash ≈ HK$656K (deposit + AVD stamp duty HK$120,477 · 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).