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$12,263
−HK$769/mo
▼ 0.25% · 3.875%
HK$12,645
−HK$387/mo
Today · 4.125%
HK$13,032
baseline
▲ 0.50% · 4.625%
HK$13,825
+HK$793/mo
Deposit HK$2.69M · loan HK$2.69M · min. income ≈ HK$26,064/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$121,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,643
−HK$737/mo
▼ 0.25% · 3.875%
HK$14,009
−HK$371/mo
Today · 4.125%
HK$14,380
baseline
▲ 0.50% · 4.625%
HK$15,138
+HK$758/mo
Deposit HK$2.69M · loan HK$2.69M · min. income ≈ HK$28,760/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$121,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,716
−HK$923/mo
▼ 0.25% · 3.875%
HK$15,174
−HK$465/mo
Today · 4.125%
HK$15,639
baseline
▲ 0.50% · 4.625%
HK$16,590
+HK$951/mo
Deposit HK$2.15M · loan HK$3.23M · min. income ≈ HK$31,278/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$121,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,371
−HK$885/mo
▼ 0.25% · 3.875%
HK$16,811
−HK$445/mo
Today · 4.125%
HK$17,256
baseline
▲ 0.50% · 4.625%
HK$18,166
+HK$910/mo
Deposit HK$2.15M · loan HK$3.23M · min. income ≈ HK$34,512/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$121,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,169
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$17,703
−HK$542/mo
Today · 4.125%
HK$18,245
baseline
▲ 0.50% · 4.625%
HK$19,356
+HK$1,111/mo
Deposit HK$1.61M · loan HK$3.76M · min. income ≈ HK$36,490/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$121,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,100
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$19,612
−HK$520/mo
Today · 4.125%
HK$20,132
baseline
▲ 0.50% · 4.625%
HK$21,193
+HK$1,061/mo
Deposit HK$1.61M · loan HK$3.76M · min. income ≈ HK$40,264/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$121,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,074
−HK$1,384/mo
▼ 0.25% · 3.875%
HK$22,761
−HK$697/mo
Today · 4.125%
HK$23,458
baseline
▲ 0.50% · 4.625%
HK$24,886
+HK$1,428/mo
Deposit HK$538K · loan HK$4.84M · min. income ≈ HK$46,916/mo (50% DSR)
Upfront cash ≈ HK$659K (deposit + AVD stamp duty HK$121,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,557
−HK$1,327/mo
▼ 0.25% · 3.875%
HK$25,216
−HK$668/mo
Today · 4.125%
HK$25,884
baseline
▲ 0.50% · 4.625%
HK$27,248
+HK$1,364/mo
Deposit HK$538K · loan HK$4.84M · min. income ≈ HK$51,768/mo (50% DSR)
Upfront cash ≈ HK$659K (deposit + AVD stamp duty HK$121,007 · 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).