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$12,189
−HK$764/mo
▼ 0.25% · 3.875%
HK$12,568
−HK$385/mo
Today · 4.125%
HK$12,953
baseline
▲ 0.50% · 4.625%
HK$13,741
+HK$788/mo
Deposit HK$2.67M · loan HK$2.67M · min. income ≈ HK$25,906/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$120,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,560
−HK$732/mo
▼ 0.25% · 3.875%
HK$13,923
−HK$369/mo
Today · 4.125%
HK$14,292
baseline
▲ 0.50% · 4.625%
HK$15,046
+HK$754/mo
Deposit HK$2.67M · loan HK$2.67M · min. income ≈ HK$28,584/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$120,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,626
−HK$918/mo
▼ 0.25% · 3.875%
HK$15,081
−HK$463/mo
Today · 4.125%
HK$15,544
baseline
▲ 0.50% · 4.625%
HK$16,489
+HK$945/mo
Deposit HK$2.14M · loan HK$3.21M · min. income ≈ HK$31,088/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,272
−HK$879/mo
▼ 0.25% · 3.875%
HK$16,708
−HK$443/mo
Today · 4.125%
HK$17,151
baseline
▲ 0.50% · 4.625%
HK$18,055
+HK$904/mo
Deposit HK$2.14M · loan HK$3.21M · min. income ≈ HK$34,302/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,064
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$17,595
−HK$539/mo
Today · 4.125%
HK$18,134
baseline
▲ 0.50% · 4.625%
HK$19,238
+HK$1,104/mo
Deposit HK$1.60M · loan HK$3.74M · min. income ≈ HK$36,268/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$120,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,984
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$19,493
−HK$516/mo
Today · 4.125%
HK$20,009
baseline
▲ 0.50% · 4.625%
HK$21,064
+HK$1,055/mo
Deposit HK$1.60M · loan HK$3.74M · min. income ≈ HK$40,018/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$120,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,940
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$22,622
−HK$693/mo
Today · 4.125%
HK$23,315
baseline
▲ 0.50% · 4.625%
HK$24,734
+HK$1,419/mo
Deposit HK$535K · loan HK$4.81M · min. income ≈ HK$46,630/mo (50% DSR)
Upfront cash ≈ HK$655K (deposit + AVD stamp duty HK$120,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,408
−HK$1,318/mo
▼ 0.25% · 3.875%
HK$25,062
−HK$664/mo
Today · 4.125%
HK$25,726
baseline
▲ 0.50% · 4.625%
HK$27,082
+HK$1,356/mo
Deposit HK$535K · loan HK$4.81M · min. income ≈ HK$51,452/mo (50% DSR)
Upfront cash ≈ HK$655K (deposit + AVD stamp duty HK$120,270 · 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).