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$12,179
−HK$764/mo
▼ 0.25% · 3.875%
HK$12,558
−HK$385/mo
Today · 4.125%
HK$12,943
baseline
▲ 0.50% · 4.625%
HK$13,730
+HK$787/mo
Deposit HK$2.67M · loan HK$2.67M · min. income ≈ HK$25,886/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$120,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,549
−HK$732/mo
▼ 0.25% · 3.875%
HK$13,912
−HK$369/mo
Today · 4.125%
HK$14,281
baseline
▲ 0.50% · 4.625%
HK$15,034
+HK$753/mo
Deposit HK$2.67M · loan HK$2.67M · min. income ≈ HK$28,562/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$120,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,615
−HK$916/mo
▼ 0.25% · 3.875%
HK$15,069
−HK$462/mo
Today · 4.125%
HK$15,531
baseline
▲ 0.50% · 4.625%
HK$16,476
+HK$945/mo
Deposit HK$2.14M · loan HK$3.20M · min. income ≈ HK$31,062/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,259
−HK$878/mo
▼ 0.25% · 3.875%
HK$16,695
−HK$442/mo
Today · 4.125%
HK$17,137
baseline
▲ 0.50% · 4.625%
HK$18,041
+HK$904/mo
Deposit HK$2.14M · loan HK$3.20M · min. income ≈ HK$34,274/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,051
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$17,581
−HK$539/mo
Today · 4.125%
HK$18,120
baseline
▲ 0.50% · 4.625%
HK$19,222
+HK$1,102/mo
Deposit HK$1.60M · loan HK$3.74M · min. income ≈ HK$36,240/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$120,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,969
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$19,477
−HK$517/mo
Today · 4.125%
HK$19,994
baseline
▲ 0.50% · 4.625%
HK$21,047
+HK$1,053/mo
Deposit HK$1.60M · loan HK$3.74M · min. income ≈ HK$39,988/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$120,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,922
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$22,604
−HK$693/mo
Today · 4.125%
HK$23,297
baseline
▲ 0.50% · 4.625%
HK$24,715
+HK$1,418/mo
Deposit HK$534K · loan HK$4.81M · min. income ≈ HK$46,594/mo (50% DSR)
Upfront cash ≈ HK$654K (deposit + AVD stamp duty HK$120,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,388
−HK$1,318/mo
▼ 0.25% · 3.875%
HK$25,042
−HK$664/mo
Today · 4.125%
HK$25,706
baseline
▲ 0.50% · 4.625%
HK$27,061
+HK$1,355/mo
Deposit HK$534K · loan HK$4.81M · min. income ≈ HK$51,412/mo (50% DSR)
Upfront cash ≈ HK$654K (deposit + AVD stamp duty HK$120,175 · 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).