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$12,192
−HK$765/mo
▼ 0.25% · 3.875%
HK$12,571
−HK$386/mo
Today · 4.125%
HK$12,957
baseline
▲ 0.50% · 4.625%
HK$13,745
+HK$788/mo
Deposit HK$2.67M · loan HK$2.67M · min. income ≈ HK$25,914/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$120,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,564
−HK$732/mo
▼ 0.25% · 3.875%
HK$13,927
−HK$369/mo
Today · 4.125%
HK$14,296
baseline
▲ 0.50% · 4.625%
HK$15,050
+HK$754/mo
Deposit HK$2.67M · loan HK$2.67M · min. income ≈ HK$28,592/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$120,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,630
−HK$918/mo
▼ 0.25% · 3.875%
HK$15,086
−HK$462/mo
Today · 4.125%
HK$15,548
baseline
▲ 0.50% · 4.625%
HK$16,494
+HK$946/mo
Deposit HK$2.14M · loan HK$3.21M · min. income ≈ HK$31,096/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,276
−HK$880/mo
▼ 0.25% · 3.875%
HK$16,713
−HK$443/mo
Today · 4.125%
HK$17,156
baseline
▲ 0.50% · 4.625%
HK$18,060
+HK$904/mo
Deposit HK$2.14M · loan HK$3.21M · min. income ≈ HK$34,312/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,069
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$17,600
−HK$539/mo
Today · 4.125%
HK$18,139
baseline
▲ 0.50% · 4.625%
HK$19,243
+HK$1,104/mo
Deposit HK$1.60M · loan HK$3.74M · min. income ≈ HK$36,278/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$120,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,989
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$19,498
−HK$517/mo
Today · 4.125%
HK$20,015
baseline
▲ 0.50% · 4.625%
HK$21,070
+HK$1,055/mo
Deposit HK$1.60M · loan HK$3.74M · min. income ≈ HK$40,030/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$120,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,946
−HK$1,376/mo
▼ 0.25% · 3.875%
HK$22,628
−HK$694/mo
Today · 4.125%
HK$23,322
baseline
▲ 0.50% · 4.625%
HK$24,741
+HK$1,419/mo
Deposit HK$535K · loan HK$4.81M · min. income ≈ HK$46,644/mo (50% DSR)
Upfront cash ≈ HK$655K (deposit + AVD stamp duty HK$120,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,414
−HK$1,319/mo
▼ 0.25% · 3.875%
HK$25,069
−HK$664/mo
Today · 4.125%
HK$25,733
baseline
▲ 0.50% · 4.625%
HK$27,090
+HK$1,357/mo
Deposit HK$535K · loan HK$4.81M · min. income ≈ HK$51,466/mo (50% DSR)
Upfront cash ≈ HK$655K (deposit + AVD stamp duty HK$120,303 · 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).