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$12,137
−HK$761/mo
▼ 0.25% · 3.875%
HK$12,514
−HK$384/mo
Today · 4.125%
HK$12,898
baseline
▲ 0.50% · 4.625%
HK$13,683
+HK$785/mo
Deposit HK$2.66M · loan HK$2.66M · min. income ≈ HK$25,796/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$119,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,502
−HK$730/mo
▼ 0.25% · 3.875%
HK$13,864
−HK$368/mo
Today · 4.125%
HK$14,232
baseline
▲ 0.50% · 4.625%
HK$14,982
+HK$750/mo
Deposit HK$2.66M · loan HK$2.66M · min. income ≈ HK$28,464/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$119,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,564
−HK$913/mo
▼ 0.25% · 3.875%
HK$15,017
−HK$460/mo
Today · 4.125%
HK$15,477
baseline
▲ 0.50% · 4.625%
HK$16,419
+HK$942/mo
Deposit HK$2.13M · loan HK$3.19M · min. income ≈ HK$30,954/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$119,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,202
−HK$876/mo
▼ 0.25% · 3.875%
HK$16,637
−HK$441/mo
Today · 4.125%
HK$17,078
baseline
▲ 0.50% · 4.625%
HK$17,978
+HK$900/mo
Deposit HK$2.13M · loan HK$3.19M · min. income ≈ HK$34,156/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$119,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,992
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$17,520
−HK$537/mo
Today · 4.125%
HK$18,057
baseline
▲ 0.50% · 4.625%
HK$19,156
+HK$1,099/mo
Deposit HK$1.60M · loan HK$3.73M · min. income ≈ HK$36,114/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$119,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,903
−HK$1,021/mo
▼ 0.25% · 3.875%
HK$19,410
−HK$514/mo
Today · 4.125%
HK$19,924
baseline
▲ 0.50% · 4.625%
HK$20,974
+HK$1,050/mo
Deposit HK$1.60M · loan HK$3.73M · min. income ≈ HK$39,848/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$119,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,846
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$22,526
−HK$690/mo
Today · 4.125%
HK$23,216
baseline
▲ 0.50% · 4.625%
HK$24,629
+HK$1,413/mo
Deposit HK$532K · loan HK$4.79M · min. income ≈ HK$46,432/mo (50% DSR)
Upfront cash ≈ HK$652K (deposit + AVD stamp duty HK$119,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,304
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$24,956
−HK$661/mo
Today · 4.125%
HK$25,617
baseline
▲ 0.50% · 4.625%
HK$26,967
+HK$1,350/mo
Deposit HK$532K · loan HK$4.79M · min. income ≈ HK$51,234/mo (50% DSR)
Upfront cash ≈ HK$652K (deposit + AVD stamp duty HK$119,758 · 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).