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$12,197
−HK$765/mo
▼ 0.25% · 3.875%
HK$12,577
−HK$385/mo
Today · 4.125%
HK$12,962
baseline
▲ 0.50% · 4.625%
HK$13,751
+HK$789/mo
Deposit HK$2.67M · loan HK$2.67M · min. income ≈ HK$25,924/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$120,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,569
−HK$733/mo
▼ 0.25% · 3.875%
HK$13,933
−HK$369/mo
Today · 4.125%
HK$14,302
baseline
▲ 0.50% · 4.625%
HK$15,056
+HK$754/mo
Deposit HK$2.67M · loan HK$2.67M · min. income ≈ HK$28,604/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$120,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,637
−HK$917/mo
▼ 0.25% · 3.875%
HK$15,092
−HK$462/mo
Today · 4.125%
HK$15,554
baseline
▲ 0.50% · 4.625%
HK$16,501
+HK$947/mo
Deposit HK$2.14M · loan HK$3.21M · min. income ≈ HK$31,108/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,283
−HK$880/mo
▼ 0.25% · 3.875%
HK$16,720
−HK$443/mo
Today · 4.125%
HK$17,163
baseline
▲ 0.50% · 4.625%
HK$18,067
+HK$904/mo
Deposit HK$2.14M · loan HK$3.21M · min. income ≈ HK$34,326/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,076
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$17,607
−HK$540/mo
Today · 4.125%
HK$18,147
baseline
▲ 0.50% · 4.625%
HK$19,251
+HK$1,104/mo
Deposit HK$1.60M · loan HK$3.74M · min. income ≈ HK$36,294/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,997
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$19,506
−HK$517/mo
Today · 4.125%
HK$20,023
baseline
▲ 0.50% · 4.625%
HK$21,079
+HK$1,056/mo
Deposit HK$1.60M · loan HK$3.74M · min. income ≈ HK$40,046/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,955
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$22,638
−HK$694/mo
Today · 4.125%
HK$23,332
baseline
▲ 0.50% · 4.625%
HK$24,751
+HK$1,419/mo
Deposit HK$535K · loan HK$4.81M · min. income ≈ HK$46,664/mo (50% DSR)
Upfront cash ≈ HK$655K (deposit + AVD stamp duty HK$120,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,425
−HK$1,319/mo
▼ 0.25% · 3.875%
HK$25,080
−HK$664/mo
Today · 4.125%
HK$25,744
baseline
▲ 0.50% · 4.625%
HK$27,101
+HK$1,357/mo
Deposit HK$535K · loan HK$4.81M · min. income ≈ HK$51,488/mo (50% DSR)
Upfront cash ≈ HK$655K (deposit + AVD stamp duty HK$120,353 · 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).