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$12,285
−HK$771/mo
▼ 0.25% · 3.875%
HK$12,668
−HK$388/mo
Today · 4.125%
HK$13,056
baseline
▲ 0.50% · 4.625%
HK$13,850
+HK$794/mo
Deposit HK$2.69M · loan HK$2.69M · min. income ≈ HK$26,112/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$121,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,667
−HK$739/mo
▼ 0.25% · 3.875%
HK$14,034
−HK$372/mo
Today · 4.125%
HK$14,406
baseline
▲ 0.50% · 4.625%
HK$15,165
+HK$759/mo
Deposit HK$2.69M · loan HK$2.69M · min. income ≈ HK$28,812/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$121,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,742
−HK$925/mo
▼ 0.25% · 3.875%
HK$15,201
−HK$466/mo
Today · 4.125%
HK$15,667
baseline
▲ 0.50% · 4.625%
HK$16,620
+HK$953/mo
Deposit HK$2.16M · loan HK$3.23M · min. income ≈ HK$31,334/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,401
−HK$886/mo
▼ 0.25% · 3.875%
HK$16,841
−HK$446/mo
Today · 4.125%
HK$17,287
baseline
▲ 0.50% · 4.625%
HK$18,198
+HK$911/mo
Deposit HK$2.16M · loan HK$3.23M · min. income ≈ HK$34,574/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,200
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$17,735
−HK$543/mo
Today · 4.125%
HK$18,278
baseline
▲ 0.50% · 4.625%
HK$19,390
+HK$1,112/mo
Deposit HK$1.62M · loan HK$3.77M · min. income ≈ HK$36,556/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,134
−HK$1,034/mo
▼ 0.25% · 3.875%
HK$19,648
−HK$520/mo
Today · 4.125%
HK$20,168
baseline
▲ 0.50% · 4.625%
HK$21,231
+HK$1,063/mo
Deposit HK$1.62M · loan HK$3.77M · min. income ≈ HK$40,336/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,114
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$22,802
−HK$698/mo
Today · 4.125%
HK$23,500
baseline
▲ 0.50% · 4.625%
HK$24,930
+HK$1,430/mo
Deposit HK$539K · loan HK$4.85M · min. income ≈ HK$47,000/mo (50% DSR)
Upfront cash ≈ HK$660K (deposit + AVD stamp duty HK$121,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,601
−HK$1,329/mo
▼ 0.25% · 3.875%
HK$25,261
−HK$669/mo
Today · 4.125%
HK$25,930
baseline
▲ 0.50% · 4.625%
HK$27,297
+HK$1,367/mo
Deposit HK$539K · loan HK$4.85M · min. income ≈ HK$51,860/mo (50% DSR)
Upfront cash ≈ HK$660K (deposit + AVD stamp duty HK$121,224 · 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).