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$12,215
−HK$766/mo
▼ 0.25% · 3.875%
HK$12,595
−HK$386/mo
Today · 4.125%
HK$12,981
baseline
▲ 0.50% · 4.625%
HK$13,771
+HK$790/mo
Deposit HK$2.68M · loan HK$2.68M · min. income ≈ HK$25,962/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$120,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,589
−HK$734/mo
▼ 0.25% · 3.875%
HK$13,953
−HK$370/mo
Today · 4.125%
HK$14,323
baseline
▲ 0.50% · 4.625%
HK$15,078
+HK$755/mo
Deposit HK$2.68M · loan HK$2.68M · min. income ≈ HK$28,646/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$120,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,658
−HK$919/mo
▼ 0.25% · 3.875%
HK$15,114
−HK$463/mo
Today · 4.125%
HK$15,577
baseline
▲ 0.50% · 4.625%
HK$16,525
+HK$948/mo
Deposit HK$2.14M · loan HK$3.21M · min. income ≈ HK$31,154/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,307
−HK$881/mo
▼ 0.25% · 3.875%
HK$16,744
−HK$444/mo
Today · 4.125%
HK$17,188
baseline
▲ 0.50% · 4.625%
HK$18,094
+HK$906/mo
Deposit HK$2.14M · loan HK$3.21M · min. income ≈ HK$34,376/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,101
−HK$1,072/mo
▼ 0.25% · 3.875%
HK$17,633
−HK$540/mo
Today · 4.125%
HK$18,173
baseline
▲ 0.50% · 4.625%
HK$19,279
+HK$1,106/mo
Deposit HK$1.61M · loan HK$3.75M · min. income ≈ HK$36,346/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,024
−HK$1,028/mo
▼ 0.25% · 3.875%
HK$19,535
−HK$517/mo
Today · 4.125%
HK$20,052
baseline
▲ 0.50% · 4.625%
HK$21,109
+HK$1,057/mo
Deposit HK$1.61M · loan HK$3.75M · min. income ≈ HK$40,104/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,987
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$22,671
−HK$694/mo
Today · 4.125%
HK$23,365
baseline
▲ 0.50% · 4.625%
HK$24,787
+HK$1,422/mo
Deposit HK$536K · loan HK$4.82M · min. income ≈ HK$46,730/mo (50% DSR)
Upfront cash ≈ HK$656K (deposit + AVD stamp duty HK$120,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,460
−HK$1,322/mo
▼ 0.25% · 3.875%
HK$25,116
−HK$666/mo
Today · 4.125%
HK$25,782
baseline
▲ 0.50% · 4.625%
HK$27,140
+HK$1,358/mo
Deposit HK$536K · loan HK$4.82M · min. income ≈ HK$51,564/mo (50% DSR)
Upfront cash ≈ HK$656K (deposit + AVD stamp duty HK$120,528 · 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).