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$12,213
−HK$766/mo
▼ 0.25% · 3.875%
HK$12,593
−HK$386/mo
Today · 4.125%
HK$12,979
baseline
▲ 0.50% · 4.625%
HK$13,769
+HK$790/mo
Deposit HK$2.68M · loan HK$2.68M · min. income ≈ HK$25,958/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$120,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,587
−HK$734/mo
▼ 0.25% · 3.875%
HK$13,951
−HK$370/mo
Today · 4.125%
HK$14,321
baseline
▲ 0.50% · 4.625%
HK$15,076
+HK$755/mo
Deposit HK$2.68M · loan HK$2.68M · min. income ≈ HK$28,642/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$120,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,656
−HK$919/mo
▼ 0.25% · 3.875%
HK$15,112
−HK$463/mo
Today · 4.125%
HK$15,575
baseline
▲ 0.50% · 4.625%
HK$16,523
+HK$948/mo
Deposit HK$2.14M · loan HK$3.21M · min. income ≈ HK$31,150/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,305
−HK$880/mo
▼ 0.25% · 3.875%
HK$16,742
−HK$443/mo
Today · 4.125%
HK$17,185
baseline
▲ 0.50% · 4.625%
HK$18,091
+HK$906/mo
Deposit HK$2.14M · loan HK$3.21M · min. income ≈ HK$34,370/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,099
−HK$1,072/mo
▼ 0.25% · 3.875%
HK$17,630
−HK$541/mo
Today · 4.125%
HK$18,171
baseline
▲ 0.50% · 4.625%
HK$19,276
+HK$1,105/mo
Deposit HK$1.61M · loan HK$3.75M · min. income ≈ HK$36,342/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,022
−HK$1,028/mo
▼ 0.25% · 3.875%
HK$19,532
−HK$518/mo
Today · 4.125%
HK$20,050
baseline
▲ 0.50% · 4.625%
HK$21,106
+HK$1,056/mo
Deposit HK$1.61M · loan HK$3.75M · min. income ≈ HK$40,100/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,984
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$22,668
−HK$694/mo
Today · 4.125%
HK$23,362
baseline
▲ 0.50% · 4.625%
HK$24,784
+HK$1,422/mo
Deposit HK$536K · loan HK$4.82M · min. income ≈ HK$46,724/mo (50% DSR)
Upfront cash ≈ HK$656K (deposit + AVD stamp duty HK$120,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,457
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$25,113
−HK$665/mo
Today · 4.125%
HK$25,778
baseline
▲ 0.50% · 4.625%
HK$27,137
+HK$1,359/mo
Deposit HK$536K · loan HK$4.82M · min. income ≈ HK$51,556/mo (50% DSR)
Upfront cash ≈ HK$656K (deposit + AVD stamp duty HK$120,512 · 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).