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$12,200
−HK$765/mo
▼ 0.25% · 3.875%
HK$12,580
−HK$385/mo
Today · 4.125%
HK$12,965
baseline
▲ 0.50% · 4.625%
HK$13,754
+HK$789/mo
Deposit HK$2.68M · loan HK$2.68M · min. income ≈ HK$25,930/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$120,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,572
−HK$734/mo
▼ 0.25% · 3.875%
HK$13,936
−HK$370/mo
Today · 4.125%
HK$14,306
baseline
▲ 0.50% · 4.625%
HK$15,060
+HK$754/mo
Deposit HK$2.68M · loan HK$2.68M · min. income ≈ HK$28,612/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$120,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,640
−HK$918/mo
▼ 0.25% · 3.875%
HK$15,095
−HK$463/mo
Today · 4.125%
HK$15,558
baseline
▲ 0.50% · 4.625%
HK$16,505
+HK$947/mo
Deposit HK$2.14M · loan HK$3.21M · min. income ≈ HK$31,116/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,287
−HK$880/mo
▼ 0.25% · 3.875%
HK$16,724
−HK$443/mo
Today · 4.125%
HK$17,167
baseline
▲ 0.50% · 4.625%
HK$18,072
+HK$905/mo
Deposit HK$2.14M · loan HK$3.21M · min. income ≈ HK$34,334/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,080
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$17,611
−HK$540/mo
Today · 4.125%
HK$18,151
baseline
▲ 0.50% · 4.625%
HK$19,256
+HK$1,105/mo
Deposit HK$1.61M · loan HK$3.75M · min. income ≈ HK$36,302/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,001
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$19,511
−HK$517/mo
Today · 4.125%
HK$20,028
baseline
▲ 0.50% · 4.625%
HK$21,084
+HK$1,056/mo
Deposit HK$1.61M · loan HK$3.75M · min. income ≈ HK$40,056/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,960
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$22,643
−HK$694/mo
Today · 4.125%
HK$23,337
baseline
▲ 0.50% · 4.625%
HK$24,757
+HK$1,420/mo
Deposit HK$535K · loan HK$4.82M · min. income ≈ HK$46,674/mo (50% DSR)
Upfront cash ≈ HK$655K (deposit + AVD stamp duty HK$120,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,430
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$25,086
−HK$664/mo
Today · 4.125%
HK$25,750
baseline
▲ 0.50% · 4.625%
HK$27,108
+HK$1,358/mo
Deposit HK$535K · loan HK$4.82M · min. income ≈ HK$51,500/mo (50% DSR)
Upfront cash ≈ HK$655K (deposit + AVD stamp duty HK$120,382 · 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).