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$12,156
−HK$763/mo
▼ 0.25% · 3.875%
HK$12,535
−HK$384/mo
Today · 4.125%
HK$12,919
baseline
▲ 0.50% · 4.625%
HK$13,705
+HK$786/mo
Deposit HK$2.67M · loan HK$2.67M · min. income ≈ HK$25,838/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$119,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,524
−HK$731/mo
▼ 0.25% · 3.875%
HK$13,887
−HK$368/mo
Today · 4.125%
HK$14,255
baseline
▲ 0.50% · 4.625%
HK$15,006
+HK$751/mo
Deposit HK$2.67M · loan HK$2.67M · min. income ≈ HK$28,510/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$119,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,588
−HK$915/mo
▼ 0.25% · 3.875%
HK$15,042
−HK$461/mo
Today · 4.125%
HK$15,503
baseline
▲ 0.50% · 4.625%
HK$16,446
+HK$943/mo
Deposit HK$2.13M · loan HK$3.20M · min. income ≈ HK$31,006/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$119,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,229
−HK$877/mo
▼ 0.25% · 3.875%
HK$16,664
−HK$442/mo
Today · 4.125%
HK$17,106
baseline
▲ 0.50% · 4.625%
HK$18,007
+HK$901/mo
Deposit HK$2.13M · loan HK$3.20M · min. income ≈ HK$34,212/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$119,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,019
−HK$1,067/mo
▼ 0.25% · 3.875%
HK$17,548
−HK$538/mo
Today · 4.125%
HK$18,086
baseline
▲ 0.50% · 4.625%
HK$19,187
+HK$1,101/mo
Deposit HK$1.60M · loan HK$3.73M · min. income ≈ HK$36,172/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$119,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,934
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$19,441
−HK$515/mo
Today · 4.125%
HK$19,956
baseline
▲ 0.50% · 4.625%
HK$21,008
+HK$1,052/mo
Deposit HK$1.60M · loan HK$3.73M · min. income ≈ HK$39,912/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$119,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,882
−HK$1,372/mo
▼ 0.25% · 3.875%
HK$22,562
−HK$692/mo
Today · 4.125%
HK$23,254
baseline
▲ 0.50% · 4.625%
HK$24,669
+HK$1,415/mo
Deposit HK$533K · loan HK$4.80M · min. income ≈ HK$46,508/mo (50% DSR)
Upfront cash ≈ HK$653K (deposit + AVD stamp duty HK$119,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,343
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$24,996
−HK$662/mo
Today · 4.125%
HK$25,658
baseline
▲ 0.50% · 4.625%
HK$27,011
+HK$1,353/mo
Deposit HK$533K · loan HK$4.80M · min. income ≈ HK$51,316/mo (50% DSR)
Upfront cash ≈ HK$653K (deposit + AVD stamp duty HK$119,952 · 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).