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$12,163
−HK$762/mo
▼ 0.25% · 3.875%
HK$12,541
−HK$384/mo
Today · 4.125%
HK$12,925
baseline
▲ 0.50% · 4.625%
HK$13,712
+HK$787/mo
Deposit HK$2.67M · loan HK$2.67M · min. income ≈ HK$25,850/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$120,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,531
−HK$731/mo
▼ 0.25% · 3.875%
HK$13,894
−HK$368/mo
Today · 4.125%
HK$14,262
baseline
▲ 0.50% · 4.625%
HK$15,014
+HK$752/mo
Deposit HK$2.67M · loan HK$2.67M · min. income ≈ HK$28,524/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$120,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,595
−HK$915/mo
▼ 0.25% · 3.875%
HK$15,049
−HK$461/mo
Today · 4.125%
HK$15,510
baseline
▲ 0.50% · 4.625%
HK$16,454
+HK$944/mo
Deposit HK$2.13M · loan HK$3.20M · min. income ≈ HK$31,020/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$120,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,237
−HK$877/mo
▼ 0.25% · 3.875%
HK$16,672
−HK$442/mo
Today · 4.125%
HK$17,114
baseline
▲ 0.50% · 4.625%
HK$18,016
+HK$902/mo
Deposit HK$2.13M · loan HK$3.20M · min. income ≈ HK$34,228/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$120,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,028
−HK$1,067/mo
▼ 0.25% · 3.875%
HK$17,557
−HK$538/mo
Today · 4.125%
HK$18,095
baseline
▲ 0.50% · 4.625%
HK$19,196
+HK$1,101/mo
Deposit HK$1.60M · loan HK$3.73M · min. income ≈ HK$36,190/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$120,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,943
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$19,451
−HK$516/mo
Today · 4.125%
HK$19,967
baseline
▲ 0.50% · 4.625%
HK$21,019
+HK$1,052/mo
Deposit HK$1.60M · loan HK$3.73M · min. income ≈ HK$39,934/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$120,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,893
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$22,574
−HK$692/mo
Today · 4.125%
HK$23,266
baseline
▲ 0.50% · 4.625%
HK$24,681
+HK$1,415/mo
Deposit HK$533K · loan HK$4.80M · min. income ≈ HK$46,532/mo (50% DSR)
Upfront cash ≈ HK$653K (deposit + AVD stamp duty HK$120,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,355
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$25,009
−HK$662/mo
Today · 4.125%
HK$25,671
baseline
▲ 0.50% · 4.625%
HK$27,024
+HK$1,353/mo
Deposit HK$533K · loan HK$4.80M · min. income ≈ HK$51,342/mo (50% DSR)
Upfront cash ≈ HK$653K (deposit + AVD stamp duty HK$120,013 · 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).