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$12,265
−HK$770/mo
▼ 0.25% · 3.875%
HK$12,647
−HK$388/mo
Today · 4.125%
HK$13,035
baseline
▲ 0.50% · 4.625%
HK$13,828
+HK$793/mo
Deposit HK$2.69M · loan HK$2.69M · min. income ≈ HK$26,070/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$121,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,645
−HK$737/mo
▼ 0.25% · 3.875%
HK$14,011
−HK$371/mo
Today · 4.125%
HK$14,382
baseline
▲ 0.50% · 4.625%
HK$15,140
+HK$758/mo
Deposit HK$2.69M · loan HK$2.69M · min. income ≈ HK$28,764/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$121,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,718
−HK$923/mo
▼ 0.25% · 3.875%
HK$15,176
−HK$465/mo
Today · 4.125%
HK$15,641
baseline
▲ 0.50% · 4.625%
HK$16,593
+HK$952/mo
Deposit HK$2.15M · loan HK$3.23M · min. income ≈ HK$31,282/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$121,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,374
−HK$885/mo
▼ 0.25% · 3.875%
HK$16,813
−HK$446/mo
Today · 4.125%
HK$17,259
baseline
▲ 0.50% · 4.625%
HK$18,169
+HK$910/mo
Deposit HK$2.15M · loan HK$3.23M · min. income ≈ HK$34,518/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$121,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,172
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$17,706
−HK$542/mo
Today · 4.125%
HK$18,248
baseline
▲ 0.50% · 4.625%
HK$19,359
+HK$1,111/mo
Deposit HK$1.61M · loan HK$3.77M · min. income ≈ HK$36,496/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$121,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,103
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$19,615
−HK$520/mo
Today · 4.125%
HK$20,135
baseline
▲ 0.50% · 4.625%
HK$21,197
+HK$1,062/mo
Deposit HK$1.61M · loan HK$3.77M · min. income ≈ HK$40,270/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$121,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,078
−HK$1,384/mo
▼ 0.25% · 3.875%
HK$22,764
−HK$698/mo
Today · 4.125%
HK$23,462
baseline
▲ 0.50% · 4.625%
HK$24,890
+HK$1,428/mo
Deposit HK$538K · loan HK$4.84M · min. income ≈ HK$46,924/mo (50% DSR)
Upfront cash ≈ HK$659K (deposit + AVD stamp duty HK$121,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,561
−HK$1,327/mo
▼ 0.25% · 3.875%
HK$25,220
−HK$668/mo
Today · 4.125%
HK$25,888
baseline
▲ 0.50% · 4.625%
HK$27,253
+HK$1,365/mo
Deposit HK$538K · loan HK$4.84M · min. income ≈ HK$51,776/mo (50% DSR)
Upfront cash ≈ HK$659K (deposit + AVD stamp duty HK$121,027 · 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).