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$12,167
−HK$762/mo
▼ 0.25% · 3.875%
HK$12,545
−HK$384/mo
Today · 4.125%
HK$12,929
baseline
▲ 0.50% · 4.625%
HK$13,716
+HK$787/mo
Deposit HK$2.67M · loan HK$2.67M · min. income ≈ HK$25,858/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$120,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,535
−HK$731/mo
▼ 0.25% · 3.875%
HK$13,898
−HK$368/mo
Today · 4.125%
HK$14,266
baseline
▲ 0.50% · 4.625%
HK$15,018
+HK$752/mo
Deposit HK$2.67M · loan HK$2.67M · min. income ≈ HK$28,532/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$120,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,600
−HK$915/mo
▼ 0.25% · 3.875%
HK$15,054
−HK$461/mo
Today · 4.125%
HK$15,515
baseline
▲ 0.50% · 4.625%
HK$16,459
+HK$944/mo
Deposit HK$2.13M · loan HK$3.20M · min. income ≈ HK$31,030/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$120,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,242
−HK$878/mo
▼ 0.25% · 3.875%
HK$16,678
−HK$442/mo
Today · 4.125%
HK$17,120
baseline
▲ 0.50% · 4.625%
HK$18,022
+HK$902/mo
Deposit HK$2.13M · loan HK$3.20M · min. income ≈ HK$34,240/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$120,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,033
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$17,563
−HK$538/mo
Today · 4.125%
HK$18,101
baseline
▲ 0.50% · 4.625%
HK$19,203
+HK$1,102/mo
Deposit HK$1.60M · loan HK$3.73M · min. income ≈ HK$36,202/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$120,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,949
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$19,457
−HK$516/mo
Today · 4.125%
HK$19,973
baseline
▲ 0.50% · 4.625%
HK$21,026
+HK$1,053/mo
Deposit HK$1.60M · loan HK$3.73M · min. income ≈ HK$39,946/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$120,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,900
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$22,581
−HK$692/mo
Today · 4.125%
HK$23,273
baseline
▲ 0.50% · 4.625%
HK$24,689
+HK$1,416/mo
Deposit HK$534K · loan HK$4.80M · min. income ≈ HK$46,546/mo (50% DSR)
Upfront cash ≈ HK$654K (deposit + AVD stamp duty HK$120,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,363
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$25,017
−HK$662/mo
Today · 4.125%
HK$25,679
baseline
▲ 0.50% · 4.625%
HK$27,033
+HK$1,354/mo
Deposit HK$534K · loan HK$4.80M · min. income ≈ HK$51,358/mo (50% DSR)
Upfront cash ≈ HK$654K (deposit + AVD stamp duty HK$120,051 · 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).