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$12,209
−HK$765/mo
▼ 0.25% · 3.875%
HK$12,588
−HK$386/mo
Today · 4.125%
HK$12,974
baseline
▲ 0.50% · 4.625%
HK$13,764
+HK$790/mo
Deposit HK$2.68M · loan HK$2.68M · min. income ≈ HK$25,948/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$120,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,582
−HK$734/mo
▼ 0.25% · 3.875%
HK$13,946
−HK$370/mo
Today · 4.125%
HK$14,316
baseline
▲ 0.50% · 4.625%
HK$15,070
+HK$754/mo
Deposit HK$2.68M · loan HK$2.68M · min. income ≈ HK$28,632/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$120,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,650
−HK$919/mo
▼ 0.25% · 3.875%
HK$15,106
−HK$463/mo
Today · 4.125%
HK$15,569
baseline
▲ 0.50% · 4.625%
HK$16,516
+HK$947/mo
Deposit HK$2.14M · loan HK$3.21M · min. income ≈ HK$31,138/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,298
−HK$881/mo
▼ 0.25% · 3.875%
HK$16,735
−HK$444/mo
Today · 4.125%
HK$17,179
baseline
▲ 0.50% · 4.625%
HK$18,084
+HK$905/mo
Deposit HK$2.14M · loan HK$3.21M · min. income ≈ HK$34,358/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,092
−HK$1,072/mo
▼ 0.25% · 3.875%
HK$17,624
−HK$540/mo
Today · 4.125%
HK$18,164
baseline
▲ 0.50% · 4.625%
HK$19,269
+HK$1,105/mo
Deposit HK$1.61M · loan HK$3.75M · min. income ≈ HK$36,328/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,015
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$19,525
−HK$517/mo
Today · 4.125%
HK$20,042
baseline
▲ 0.50% · 4.625%
HK$21,099
+HK$1,057/mo
Deposit HK$1.61M · loan HK$3.75M · min. income ≈ HK$40,084/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,976
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$22,659
−HK$695/mo
Today · 4.125%
HK$23,354
baseline
▲ 0.50% · 4.625%
HK$24,775
+HK$1,421/mo
Deposit HK$535K · loan HK$4.82M · min. income ≈ HK$46,708/mo (50% DSR)
Upfront cash ≈ HK$656K (deposit + AVD stamp duty HK$120,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,448
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$25,103
−HK$665/mo
Today · 4.125%
HK$25,768
baseline
▲ 0.50% · 4.625%
HK$27,127
+HK$1,359/mo
Deposit HK$535K · loan HK$4.82M · min. income ≈ HK$51,536/mo (50% DSR)
Upfront cash ≈ HK$656K (deposit + AVD stamp duty HK$120,467 · 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).