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$12,207
−HK$765/mo
▼ 0.25% · 3.875%
HK$12,587
−HK$385/mo
Today · 4.125%
HK$12,972
baseline
▲ 0.50% · 4.625%
HK$13,762
+HK$790/mo
Deposit HK$2.68M · loan HK$2.68M · min. income ≈ HK$25,944/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$120,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,580
−HK$734/mo
▼ 0.25% · 3.875%
HK$13,944
−HK$370/mo
Today · 4.125%
HK$14,314
baseline
▲ 0.50% · 4.625%
HK$15,068
+HK$754/mo
Deposit HK$2.68M · loan HK$2.68M · min. income ≈ HK$28,628/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$120,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,648
−HK$919/mo
▼ 0.25% · 3.875%
HK$15,104
−HK$463/mo
Today · 4.125%
HK$15,567
baseline
▲ 0.50% · 4.625%
HK$16,514
+HK$947/mo
Deposit HK$2.14M · loan HK$3.21M · min. income ≈ HK$31,134/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,296
−HK$881/mo
▼ 0.25% · 3.875%
HK$16,733
−HK$444/mo
Today · 4.125%
HK$17,177
baseline
▲ 0.50% · 4.625%
HK$18,082
+HK$905/mo
Deposit HK$2.14M · loan HK$3.21M · min. income ≈ HK$34,354/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,090
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$17,621
−HK$540/mo
Today · 4.125%
HK$18,161
baseline
▲ 0.50% · 4.625%
HK$19,266
+HK$1,105/mo
Deposit HK$1.61M · loan HK$3.75M · min. income ≈ HK$36,322/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,012
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$19,522
−HK$517/mo
Today · 4.125%
HK$20,039
baseline
▲ 0.50% · 4.625%
HK$21,096
+HK$1,057/mo
Deposit HK$1.61M · loan HK$3.75M · min. income ≈ HK$40,078/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,972
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$22,656
−HK$694/mo
Today · 4.125%
HK$23,350
baseline
▲ 0.50% · 4.625%
HK$24,771
+HK$1,421/mo
Deposit HK$535K · loan HK$4.82M · min. income ≈ HK$46,700/mo (50% DSR)
Upfront cash ≈ HK$656K (deposit + AVD stamp duty HK$120,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,444
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$25,100
−HK$665/mo
Today · 4.125%
HK$25,765
baseline
▲ 0.50% · 4.625%
HK$27,123
+HK$1,358/mo
Deposit HK$535K · loan HK$4.82M · min. income ≈ HK$51,530/mo (50% DSR)
Upfront cash ≈ HK$656K (deposit + AVD stamp duty HK$120,450 · 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).