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$120,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,560
−HK$733/mo
▼ 0.25% · 3.875%
HK$13,924
−HK$369/mo
Today · 4.125%
HK$14,293
baseline
▲ 0.50% · 4.625%
HK$15,046
+HK$753/mo
Deposit HK$2.67M · loan HK$2.67M · min. income ≈ HK$28,586/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$120,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,627
−HK$917/mo
▼ 0.25% · 3.875%
HK$15,082
−HK$462/mo
Today · 4.125%
HK$15,544
baseline
▲ 0.50% · 4.625%
HK$16,490
+HK$946/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$120,272 · 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$120,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,065
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$17,595
−HK$540/mo
Today · 4.125%
HK$18,135
baseline
▲ 0.50% · 4.625%
HK$19,238
+HK$1,103/mo
Deposit HK$1.60M · loan HK$3.74M · min. income ≈ HK$36,270/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$120,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,984
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$19,493
−HK$517/mo
Today · 4.125%
HK$20,010
baseline
▲ 0.50% · 4.625%
HK$21,064
+HK$1,054/mo
Deposit HK$1.60M · loan HK$3.74M · min. income ≈ HK$40,020/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$120,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,940
−HK$1,376/mo
▼ 0.25% · 3.875%
HK$22,623
−HK$693/mo
Today · 4.125%
HK$23,316
baseline
▲ 0.50% · 4.625%
HK$24,735
+HK$1,419/mo
Deposit HK$535K · loan HK$4.81M · min. income ≈ HK$46,632/mo (50% DSR)
Upfront cash ≈ HK$655K (deposit + AVD stamp duty HK$120,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,408
−HK$1,319/mo
▼ 0.25% · 3.875%
HK$25,063
−HK$664/mo
Today · 4.125%
HK$25,727
baseline
▲ 0.50% · 4.625%
HK$27,083
+HK$1,356/mo
Deposit HK$535K · loan HK$4.81M · min. income ≈ HK$51,454/mo (50% DSR)
Upfront cash ≈ HK$655K (deposit + AVD stamp duty HK$120,272 · 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).