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$12,239
−HK$768/mo
▼ 0.25% · 3.875%
HK$12,620
−HK$387/mo
Today · 4.125%
HK$13,007
baseline
▲ 0.50% · 4.625%
HK$13,798
+HK$791/mo
Deposit HK$2.68M · loan HK$2.68M · min. income ≈ HK$26,014/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$120,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,616
−HK$736/mo
▼ 0.25% · 3.875%
HK$13,981
−HK$371/mo
Today · 4.125%
HK$14,352
baseline
▲ 0.50% · 4.625%
HK$15,108
+HK$756/mo
Deposit HK$2.68M · loan HK$2.68M · min. income ≈ HK$28,704/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$120,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,687
−HK$921/mo
▼ 0.25% · 3.875%
HK$15,144
−HK$464/mo
Today · 4.125%
HK$15,608
baseline
▲ 0.50% · 4.625%
HK$16,558
+HK$950/mo
Deposit HK$2.15M · loan HK$3.22M · min. income ≈ HK$31,216/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$120,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,339
−HK$883/mo
▼ 0.25% · 3.875%
HK$16,778
−HK$444/mo
Today · 4.125%
HK$17,222
baseline
▲ 0.50% · 4.625%
HK$18,130
+HK$908/mo
Deposit HK$2.15M · loan HK$3.22M · min. income ≈ HK$34,444/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$120,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,135
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$17,668
−HK$542/mo
Today · 4.125%
HK$18,210
baseline
▲ 0.50% · 4.625%
HK$19,318
+HK$1,108/mo
Deposit HK$1.61M · loan HK$3.76M · min. income ≈ HK$36,420/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,063
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$19,574
−HK$519/mo
Today · 4.125%
HK$20,093
baseline
▲ 0.50% · 4.625%
HK$21,152
+HK$1,059/mo
Deposit HK$1.61M · loan HK$3.76M · min. income ≈ HK$40,186/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,031
−HK$1,381/mo
▼ 0.25% · 3.875%
HK$22,716
−HK$696/mo
Today · 4.125%
HK$23,412
baseline
▲ 0.50% · 4.625%
HK$24,837
+HK$1,425/mo
Deposit HK$537K · loan HK$4.83M · min. income ≈ HK$46,824/mo (50% DSR)
Upfront cash ≈ HK$658K (deposit + AVD stamp duty HK$120,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,509
−HK$1,324/mo
▼ 0.25% · 3.875%
HK$25,166
−HK$667/mo
Today · 4.125%
HK$25,833
baseline
▲ 0.50% · 4.625%
HK$27,195
+HK$1,362/mo
Deposit HK$537K · loan HK$4.83M · min. income ≈ HK$51,666/mo (50% DSR)
Upfront cash ≈ HK$658K (deposit + AVD stamp duty HK$120,770 · 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).