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$12,180
−HK$763/mo
▼ 0.25% · 3.875%
HK$12,558
−HK$385/mo
Today · 4.125%
HK$12,943
baseline
▲ 0.50% · 4.625%
HK$13,731
+HK$788/mo
Deposit HK$2.67M · loan HK$2.67M · min. income ≈ HK$25,886/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$120,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,550
−HK$732/mo
▼ 0.25% · 3.875%
HK$13,913
−HK$369/mo
Today · 4.125%
HK$14,282
baseline
▲ 0.50% · 4.625%
HK$15,035
+HK$753/mo
Deposit HK$2.67M · loan HK$2.67M · min. income ≈ HK$28,564/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$120,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,615
−HK$917/mo
▼ 0.25% · 3.875%
HK$15,070
−HK$462/mo
Today · 4.125%
HK$15,532
baseline
▲ 0.50% · 4.625%
HK$16,477
+HK$945/mo
Deposit HK$2.14M · loan HK$3.20M · min. income ≈ HK$31,064/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,260
−HK$878/mo
▼ 0.25% · 3.875%
HK$16,696
−HK$442/mo
Today · 4.125%
HK$17,138
baseline
▲ 0.50% · 4.625%
HK$18,041
+HK$903/mo
Deposit HK$2.14M · loan HK$3.20M · min. income ≈ HK$34,276/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,051
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$17,582
−HK$539/mo
Today · 4.125%
HK$18,121
baseline
▲ 0.50% · 4.625%
HK$19,223
+HK$1,102/mo
Deposit HK$1.60M · loan HK$3.74M · min. income ≈ HK$36,242/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$120,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,970
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$19,478
−HK$516/mo
Today · 4.125%
HK$19,994
baseline
▲ 0.50% · 4.625%
HK$21,048
+HK$1,054/mo
Deposit HK$1.60M · loan HK$3.74M · min. income ≈ HK$39,988/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$120,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,923
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$22,605
−HK$693/mo
Today · 4.125%
HK$23,298
baseline
▲ 0.50% · 4.625%
HK$24,716
+HK$1,418/mo
Deposit HK$534K · loan HK$4.81M · min. income ≈ HK$46,596/mo (50% DSR)
Upfront cash ≈ HK$654K (deposit + AVD stamp duty HK$120,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,389
−HK$1,318/mo
▼ 0.25% · 3.875%
HK$25,044
−HK$663/mo
Today · 4.125%
HK$25,707
baseline
▲ 0.50% · 4.625%
HK$27,062
+HK$1,355/mo
Deposit HK$534K · loan HK$4.81M · min. income ≈ HK$51,414/mo (50% DSR)
Upfront cash ≈ HK$654K (deposit + AVD stamp duty HK$120,180 · 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).