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$12,171
−HK$763/mo
▼ 0.25% · 3.875%
HK$12,549
−HK$385/mo
Today · 4.125%
HK$12,934
baseline
▲ 0.50% · 4.625%
HK$13,721
+HK$787/mo
Deposit HK$2.67M · loan HK$2.67M · min. income ≈ HK$25,868/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$120,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,540
−HK$731/mo
▼ 0.25% · 3.875%
HK$13,903
−HK$368/mo
Today · 4.125%
HK$14,271
baseline
▲ 0.50% · 4.625%
HK$15,023
+HK$752/mo
Deposit HK$2.67M · loan HK$2.67M · min. income ≈ HK$28,542/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$120,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,605
−HK$915/mo
▼ 0.25% · 3.875%
HK$15,059
−HK$461/mo
Today · 4.125%
HK$15,520
baseline
▲ 0.50% · 4.625%
HK$16,465
+HK$945/mo
Deposit HK$2.13M · loan HK$3.20M · min. income ≈ HK$31,040/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,248
−HK$877/mo
▼ 0.25% · 3.875%
HK$16,683
−HK$442/mo
Today · 4.125%
HK$17,125
baseline
▲ 0.50% · 4.625%
HK$18,028
+HK$903/mo
Deposit HK$2.13M · loan HK$3.20M · min. income ≈ HK$34,250/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,039
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$17,569
−HK$538/mo
Today · 4.125%
HK$18,107
baseline
▲ 0.50% · 4.625%
HK$19,209
+HK$1,102/mo
Deposit HK$1.60M · loan HK$3.74M · min. income ≈ HK$36,214/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$120,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,955
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$19,464
−HK$516/mo
Today · 4.125%
HK$19,980
baseline
▲ 0.50% · 4.625%
HK$21,033
+HK$1,053/mo
Deposit HK$1.60M · loan HK$3.74M · min. income ≈ HK$39,960/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$120,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,907
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$22,588
−HK$693/mo
Today · 4.125%
HK$23,281
baseline
▲ 0.50% · 4.625%
HK$24,697
+HK$1,416/mo
Deposit HK$534K · loan HK$4.80M · min. income ≈ HK$46,562/mo (50% DSR)
Upfront cash ≈ HK$654K (deposit + AVD stamp duty HK$120,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,371
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$25,025
−HK$663/mo
Today · 4.125%
HK$25,688
baseline
▲ 0.50% · 4.625%
HK$27,042
+HK$1,354/mo
Deposit HK$534K · loan HK$4.80M · min. income ≈ HK$51,376/mo (50% DSR)
Upfront cash ≈ HK$654K (deposit + AVD stamp duty HK$120,091 · 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).