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$12,189
−HK$765/mo
▼ 0.25% · 3.875%
HK$12,568
−HK$386/mo
Today · 4.125%
HK$12,954
baseline
▲ 0.50% · 4.625%
HK$13,742
+HK$788/mo
Deposit HK$2.67M · loan HK$2.67M · min. income ≈ HK$25,908/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$120,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,561
−HK$732/mo
▼ 0.25% · 3.875%
HK$13,924
−HK$369/mo
Today · 4.125%
HK$14,293
baseline
▲ 0.50% · 4.625%
HK$15,047
+HK$754/mo
Deposit HK$2.67M · loan HK$2.67M · min. income ≈ HK$28,586/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$120,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,627
−HK$917/mo
▼ 0.25% · 3.875%
HK$15,082
−HK$462/mo
Today · 4.125%
HK$15,544
baseline
▲ 0.50% · 4.625%
HK$16,490
+HK$946/mo
Deposit HK$2.14M · loan HK$3.21M · min. income ≈ HK$31,088/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,273
−HK$879/mo
▼ 0.25% · 3.875%
HK$16,709
−HK$443/mo
Today · 4.125%
HK$17,152
baseline
▲ 0.50% · 4.625%
HK$18,056
+HK$904/mo
Deposit HK$2.14M · loan HK$3.21M · min. income ≈ HK$34,304/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,065
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$17,596
−HK$539/mo
Today · 4.125%
HK$18,135
baseline
▲ 0.50% · 4.625%
HK$19,239
+HK$1,104/mo
Deposit HK$1.60M · loan HK$3.74M · min. income ≈ HK$36,270/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$120,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,985
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$19,494
−HK$516/mo
Today · 4.125%
HK$20,010
baseline
▲ 0.50% · 4.625%
HK$21,065
+HK$1,055/mo
Deposit HK$1.60M · loan HK$3.74M · min. income ≈ HK$40,020/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$120,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,941
−HK$1,376/mo
▼ 0.25% · 3.875%
HK$22,623
−HK$694/mo
Today · 4.125%
HK$23,317
baseline
▲ 0.50% · 4.625%
HK$24,735
+HK$1,418/mo
Deposit HK$535K · loan HK$4.81M · min. income ≈ HK$46,634/mo (50% DSR)
Upfront cash ≈ HK$655K (deposit + AVD stamp duty HK$120,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,409
−HK$1,319/mo
▼ 0.25% · 3.875%
HK$25,064
−HK$664/mo
Today · 4.125%
HK$25,728
baseline
▲ 0.50% · 4.625%
HK$27,084
+HK$1,356/mo
Deposit HK$535K · loan HK$4.81M · min. income ≈ HK$51,456/mo (50% DSR)
Upfront cash ≈ HK$655K (deposit + AVD stamp duty HK$120,277 · 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).