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$12,237
−HK$767/mo
▼ 0.25% · 3.875%
HK$12,618
−HK$386/mo
Today · 4.125%
HK$13,004
baseline
▲ 0.50% · 4.625%
HK$13,796
+HK$792/mo
Deposit HK$2.68M · loan HK$2.68M · min. income ≈ HK$26,008/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$120,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,613
−HK$736/mo
▼ 0.25% · 3.875%
HK$13,979
−HK$370/mo
Today · 4.125%
HK$14,349
baseline
▲ 0.50% · 4.625%
HK$15,105
+HK$756/mo
Deposit HK$2.68M · loan HK$2.68M · min. income ≈ HK$28,698/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$120,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,684
−HK$921/mo
▼ 0.25% · 3.875%
HK$15,141
−HK$464/mo
Today · 4.125%
HK$15,605
baseline
▲ 0.50% · 4.625%
HK$16,555
+HK$950/mo
Deposit HK$2.15M · loan HK$3.22M · min. income ≈ HK$31,210/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$120,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,336
−HK$883/mo
▼ 0.25% · 3.875%
HK$16,774
−HK$445/mo
Today · 4.125%
HK$17,219
baseline
▲ 0.50% · 4.625%
HK$18,126
+HK$907/mo
Deposit HK$2.15M · loan HK$3.22M · min. income ≈ HK$34,438/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$120,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,132
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$17,665
−HK$541/mo
Today · 4.125%
HK$18,206
baseline
▲ 0.50% · 4.625%
HK$19,314
+HK$1,108/mo
Deposit HK$1.61M · loan HK$3.76M · min. income ≈ HK$36,412/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,059
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$19,570
−HK$518/mo
Today · 4.125%
HK$20,088
baseline
▲ 0.50% · 4.625%
HK$21,147
+HK$1,059/mo
Deposit HK$1.61M · loan HK$3.76M · min. income ≈ HK$40,176/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,026
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$22,712
−HK$696/mo
Today · 4.125%
HK$23,408
baseline
▲ 0.50% · 4.625%
HK$24,832
+HK$1,424/mo
Deposit HK$537K · loan HK$4.83M · min. income ≈ HK$46,816/mo (50% DSR)
Upfront cash ≈ HK$657K (deposit + AVD stamp duty HK$120,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,504
−HK$1,324/mo
▼ 0.25% · 3.875%
HK$25,161
−HK$667/mo
Today · 4.125%
HK$25,828
baseline
▲ 0.50% · 4.625%
HK$27,189
+HK$1,361/mo
Deposit HK$537K · loan HK$4.83M · min. income ≈ HK$51,656/mo (50% DSR)
Upfront cash ≈ HK$657K (deposit + AVD stamp duty HK$120,746 · 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).