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$12,169
−HK$763/mo
▼ 0.25% · 3.875%
HK$12,548
−HK$384/mo
Today · 4.125%
HK$12,932
baseline
▲ 0.50% · 4.625%
HK$13,719
+HK$787/mo
Deposit HK$2.67M · loan HK$2.67M · min. income ≈ HK$25,864/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$120,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,538
−HK$732/mo
▼ 0.25% · 3.875%
HK$13,901
−HK$369/mo
Today · 4.125%
HK$14,270
baseline
▲ 0.50% · 4.625%
HK$15,022
+HK$752/mo
Deposit HK$2.67M · loan HK$2.67M · min. income ≈ HK$28,540/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$120,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,603
−HK$916/mo
▼ 0.25% · 3.875%
HK$15,057
−HK$462/mo
Today · 4.125%
HK$15,519
baseline
▲ 0.50% · 4.625%
HK$16,463
+HK$944/mo
Deposit HK$2.13M · loan HK$3.20M · min. income ≈ HK$31,038/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$120,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,246
−HK$877/mo
▼ 0.25% · 3.875%
HK$16,681
−HK$442/mo
Today · 4.125%
HK$17,123
baseline
▲ 0.50% · 4.625%
HK$18,026
+HK$903/mo
Deposit HK$2.13M · loan HK$3.20M · min. income ≈ HK$34,246/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$120,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,037
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$17,567
−HK$538/mo
Today · 4.125%
HK$18,105
baseline
▲ 0.50% · 4.625%
HK$19,207
+HK$1,102/mo
Deposit HK$1.60M · loan HK$3.74M · min. income ≈ HK$36,210/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$120,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,953
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$19,462
−HK$515/mo
Today · 4.125%
HK$19,977
baseline
▲ 0.50% · 4.625%
HK$21,030
+HK$1,053/mo
Deposit HK$1.60M · loan HK$3.74M · min. income ≈ HK$39,954/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$120,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,905
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$22,586
−HK$692/mo
Today · 4.125%
HK$23,278
baseline
▲ 0.50% · 4.625%
HK$24,695
+HK$1,417/mo
Deposit HK$534K · loan HK$4.80M · min. income ≈ HK$46,556/mo (50% DSR)
Upfront cash ≈ HK$654K (deposit + AVD stamp duty HK$120,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,369
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$25,022
−HK$663/mo
Today · 4.125%
HK$25,685
baseline
▲ 0.50% · 4.625%
HK$27,039
+HK$1,354/mo
Deposit HK$534K · loan HK$4.80M · min. income ≈ HK$51,370/mo (50% DSR)
Upfront cash ≈ HK$654K (deposit + AVD stamp duty HK$120,078 · 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).