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$12,283
−HK$770/mo
▼ 0.25% · 3.875%
HK$12,665
−HK$388/mo
Today · 4.125%
HK$13,053
baseline
▲ 0.50% · 4.625%
HK$13,847
+HK$794/mo
Deposit HK$2.69M · loan HK$2.69M · min. income ≈ HK$26,106/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$121,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,664
−HK$739/mo
▼ 0.25% · 3.875%
HK$14,031
−HK$372/mo
Today · 4.125%
HK$14,403
baseline
▲ 0.50% · 4.625%
HK$15,162
+HK$759/mo
Deposit HK$2.69M · loan HK$2.69M · min. income ≈ HK$28,806/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$121,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,739
−HK$925/mo
▼ 0.25% · 3.875%
HK$15,198
−HK$466/mo
Today · 4.125%
HK$15,664
baseline
▲ 0.50% · 4.625%
HK$16,617
+HK$953/mo
Deposit HK$2.15M · loan HK$3.23M · min. income ≈ HK$31,328/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,397
−HK$886/mo
▼ 0.25% · 3.875%
HK$16,837
−HK$446/mo
Today · 4.125%
HK$17,283
baseline
▲ 0.50% · 4.625%
HK$18,194
+HK$911/mo
Deposit HK$2.15M · loan HK$3.23M · min. income ≈ HK$34,566/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,196
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$17,731
−HK$543/mo
Today · 4.125%
HK$18,274
baseline
▲ 0.50% · 4.625%
HK$19,386
+HK$1,112/mo
Deposit HK$1.62M · loan HK$3.77M · min. income ≈ HK$36,548/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,130
−HK$1,034/mo
▼ 0.25% · 3.875%
HK$19,643
−HK$521/mo
Today · 4.125%
HK$20,164
baseline
▲ 0.50% · 4.625%
HK$21,227
+HK$1,063/mo
Deposit HK$1.62M · loan HK$3.77M · min. income ≈ HK$40,328/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,109
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$22,797
−HK$698/mo
Today · 4.125%
HK$23,495
baseline
▲ 0.50% · 4.625%
HK$24,925
+HK$1,430/mo
Deposit HK$539K · loan HK$4.85M · min. income ≈ HK$46,990/mo (50% DSR)
Upfront cash ≈ HK$660K (deposit + AVD stamp duty HK$121,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,596
−HK$1,329/mo
▼ 0.25% · 3.875%
HK$25,256
−HK$669/mo
Today · 4.125%
HK$25,925
baseline
▲ 0.50% · 4.625%
HK$27,291
+HK$1,366/mo
Deposit HK$539K · loan HK$4.85M · min. income ≈ HK$51,850/mo (50% DSR)
Upfront cash ≈ HK$660K (deposit + AVD stamp duty HK$121,199 · 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).