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$12,152
−HK$762/mo
▼ 0.25% · 3.875%
HK$12,530
−HK$384/mo
Today · 4.125%
HK$12,914
baseline
▲ 0.50% · 4.625%
HK$13,700
+HK$786/mo
Deposit HK$2.66M · loan HK$2.66M · min. income ≈ HK$25,828/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$119,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,519
−HK$730/mo
▼ 0.25% · 3.875%
HK$13,882
−HK$367/mo
Today · 4.125%
HK$14,249
baseline
▲ 0.50% · 4.625%
HK$15,001
+HK$752/mo
Deposit HK$2.66M · loan HK$2.66M · min. income ≈ HK$28,498/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$119,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,582
−HK$915/mo
▼ 0.25% · 3.875%
HK$15,036
−HK$461/mo
Today · 4.125%
HK$15,497
baseline
▲ 0.50% · 4.625%
HK$16,440
+HK$943/mo
Deposit HK$2.13M · loan HK$3.20M · min. income ≈ HK$30,994/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$119,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,223
−HK$876/mo
▼ 0.25% · 3.875%
HK$16,658
−HK$441/mo
Today · 4.125%
HK$17,099
baseline
▲ 0.50% · 4.625%
HK$18,001
+HK$902/mo
Deposit HK$2.13M · loan HK$3.20M · min. income ≈ HK$34,198/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$119,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,013
−HK$1,067/mo
▼ 0.25% · 3.875%
HK$17,542
−HK$538/mo
Today · 4.125%
HK$18,080
baseline
▲ 0.50% · 4.625%
HK$19,180
+HK$1,100/mo
Deposit HK$1.60M · loan HK$3.73M · min. income ≈ HK$36,160/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$119,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,927
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$19,434
−HK$515/mo
Today · 4.125%
HK$19,949
baseline
▲ 0.50% · 4.625%
HK$21,001
+HK$1,052/mo
Deposit HK$1.60M · loan HK$3.73M · min. income ≈ HK$39,898/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$119,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,874
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$22,554
−HK$691/mo
Today · 4.125%
HK$23,245
baseline
▲ 0.50% · 4.625%
HK$24,660
+HK$1,415/mo
Deposit HK$533K · loan HK$4.80M · min. income ≈ HK$46,490/mo (50% DSR)
Upfront cash ≈ HK$653K (deposit + AVD stamp duty HK$119,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,334
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$24,987
−HK$662/mo
Today · 4.125%
HK$25,649
baseline
▲ 0.50% · 4.625%
HK$27,001
+HK$1,352/mo
Deposit HK$533K · loan HK$4.80M · min. income ≈ HK$51,298/mo (50% DSR)
Upfront cash ≈ HK$653K (deposit + AVD stamp duty HK$119,909 · 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).