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$12,241
−HK$768/mo
▼ 0.25% · 3.875%
HK$12,622
−HK$387/mo
Today · 4.125%
HK$13,009
baseline
▲ 0.50% · 4.625%
HK$13,800
+HK$791/mo
Deposit HK$2.68M · loan HK$2.68M · min. income ≈ HK$26,018/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$120,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,618
−HK$736/mo
▼ 0.25% · 3.875%
HK$13,983
−HK$371/mo
Today · 4.125%
HK$14,354
baseline
▲ 0.50% · 4.625%
HK$15,110
+HK$756/mo
Deposit HK$2.68M · loan HK$2.68M · min. income ≈ HK$28,708/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$120,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,689
−HK$921/mo
▼ 0.25% · 3.875%
HK$15,146
−HK$464/mo
Today · 4.125%
HK$15,610
baseline
▲ 0.50% · 4.625%
HK$16,560
+HK$950/mo
Deposit HK$2.15M · loan HK$3.22M · min. income ≈ HK$31,220/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$120,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,342
−HK$882/mo
▼ 0.25% · 3.875%
HK$16,780
−HK$444/mo
Today · 4.125%
HK$17,224
baseline
▲ 0.50% · 4.625%
HK$18,132
+HK$908/mo
Deposit HK$2.15M · loan HK$3.22M · min. income ≈ HK$34,448/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$120,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,137
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$17,670
−HK$542/mo
Today · 4.125%
HK$18,212
baseline
▲ 0.50% · 4.625%
HK$19,320
+HK$1,108/mo
Deposit HK$1.61M · loan HK$3.76M · min. income ≈ HK$36,424/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,065
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$19,576
−HK$519/mo
Today · 4.125%
HK$20,095
baseline
▲ 0.50% · 4.625%
HK$21,154
+HK$1,059/mo
Deposit HK$1.61M · loan HK$3.76M · min. income ≈ HK$40,190/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,034
−HK$1,381/mo
▼ 0.25% · 3.875%
HK$22,719
−HK$696/mo
Today · 4.125%
HK$23,415
baseline
▲ 0.50% · 4.625%
HK$24,840
+HK$1,425/mo
Deposit HK$537K · loan HK$4.83M · min. income ≈ HK$46,830/mo (50% DSR)
Upfront cash ≈ HK$658K (deposit + AVD stamp duty HK$120,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,512
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$25,170
−HK$667/mo
Today · 4.125%
HK$25,837
baseline
▲ 0.50% · 4.625%
HK$27,198
+HK$1,361/mo
Deposit HK$537K · loan HK$4.83M · min. income ≈ HK$51,674/mo (50% DSR)
Upfront cash ≈ HK$658K (deposit + AVD stamp duty HK$120,786 · 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).