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$764/mo
▼ 0.25% · 3.875%
HK$12,550
−HK$385/mo
Today · 4.125%
HK$12,935
baseline
▲ 0.50% · 4.625%
HK$13,722
+HK$787/mo
Deposit HK$2.67M · loan HK$2.67M · min. income ≈ HK$25,870/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$120,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,540
−HK$732/mo
▼ 0.25% · 3.875%
HK$13,904
−HK$368/mo
Today · 4.125%
HK$14,272
baseline
▲ 0.50% · 4.625%
HK$15,024
+HK$752/mo
Deposit HK$2.67M · loan HK$2.67M · min. income ≈ HK$28,544/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$120,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,606
−HK$915/mo
▼ 0.25% · 3.875%
HK$15,060
−HK$461/mo
Today · 4.125%
HK$15,521
baseline
▲ 0.50% · 4.625%
HK$16,466
+HK$945/mo
Deposit HK$2.14M · loan HK$3.20M · min. income ≈ HK$31,042/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,249
−HK$877/mo
▼ 0.25% · 3.875%
HK$16,684
−HK$442/mo
Today · 4.125%
HK$17,126
baseline
▲ 0.50% · 4.625%
HK$18,029
+HK$903/mo
Deposit HK$2.14M · loan HK$3.20M · min. income ≈ HK$34,252/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,040
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$17,570
−HK$538/mo
Today · 4.125%
HK$18,108
baseline
▲ 0.50% · 4.625%
HK$19,210
+HK$1,102/mo
Deposit HK$1.60M · loan HK$3.74M · min. income ≈ HK$36,216/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$120,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,957
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$19,465
−HK$516/mo
Today · 4.125%
HK$19,981
baseline
▲ 0.50% · 4.625%
HK$21,034
+HK$1,053/mo
Deposit HK$1.60M · loan HK$3.74M · min. income ≈ HK$39,962/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$120,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,908
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$22,590
−HK$692/mo
Today · 4.125%
HK$23,282
baseline
▲ 0.50% · 4.625%
HK$24,699
+HK$1,417/mo
Deposit HK$534K · loan HK$4.80M · min. income ≈ HK$46,564/mo (50% DSR)
Upfront cash ≈ HK$654K (deposit + AVD stamp duty HK$120,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,373
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$25,026
−HK$664/mo
Today · 4.125%
HK$25,690
baseline
▲ 0.50% · 4.625%
HK$27,044
+HK$1,354/mo
Deposit HK$534K · loan HK$4.80M · min. income ≈ HK$51,380/mo (50% DSR)
Upfront cash ≈ HK$654K (deposit + AVD stamp duty HK$120,099 · 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).