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$12,121
−HK$760/mo
▼ 0.25% · 3.875%
HK$12,498
−HK$383/mo
Today · 4.125%
HK$12,881
baseline
▲ 0.50% · 4.625%
HK$13,665
+HK$784/mo
Deposit HK$2.66M · loan HK$2.66M · min. income ≈ HK$25,762/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$119,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,484
−HK$729/mo
▼ 0.25% · 3.875%
HK$13,846
−HK$367/mo
Today · 4.125%
HK$14,213
baseline
▲ 0.50% · 4.625%
HK$14,962
+HK$749/mo
Deposit HK$2.66M · loan HK$2.66M · min. income ≈ HK$28,426/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$119,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,545
−HK$912/mo
▼ 0.25% · 3.875%
HK$14,997
−HK$460/mo
Today · 4.125%
HK$15,457
baseline
▲ 0.50% · 4.625%
HK$16,398
+HK$941/mo
Deposit HK$2.13M · loan HK$3.19M · min. income ≈ HK$30,914/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$119,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,181
−HK$874/mo
▼ 0.25% · 3.875%
HK$16,615
−HK$440/mo
Today · 4.125%
HK$17,055
baseline
▲ 0.50% · 4.625%
HK$17,954
+HK$899/mo
Deposit HK$2.13M · loan HK$3.19M · min. income ≈ HK$34,110/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$119,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,969
−HK$1,064/mo
▼ 0.25% · 3.875%
HK$17,497
−HK$536/mo
Today · 4.125%
HK$18,033
baseline
▲ 0.50% · 4.625%
HK$19,131
+HK$1,098/mo
Deposit HK$1.59M · loan HK$3.72M · min. income ≈ HK$36,066/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,878
−HK$1,020/mo
▼ 0.25% · 3.875%
HK$19,384
−HK$514/mo
Today · 4.125%
HK$19,898
baseline
▲ 0.50% · 4.625%
HK$20,947
+HK$1,049/mo
Deposit HK$1.59M · loan HK$3.72M · min. income ≈ HK$39,796/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,818
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$22,496
−HK$690/mo
Today · 4.125%
HK$23,186
baseline
▲ 0.50% · 4.625%
HK$24,597
+HK$1,411/mo
Deposit HK$532K · loan HK$4.78M · min. income ≈ HK$46,372/mo (50% DSR)
Upfront cash ≈ HK$651K (deposit + AVD stamp duty HK$119,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,272
−HK$1,311/mo
▼ 0.25% · 3.875%
HK$24,923
−HK$660/mo
Today · 4.125%
HK$25,583
baseline
▲ 0.50% · 4.625%
HK$26,932
+HK$1,349/mo
Deposit HK$532K · loan HK$4.78M · min. income ≈ HK$51,166/mo (50% DSR)
Upfront cash ≈ HK$651K (deposit + AVD stamp duty HK$119,601 · 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).