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$12,145
−HK$762/mo
▼ 0.25% · 3.875%
HK$12,523
−HK$384/mo
Today · 4.125%
HK$12,907
baseline
▲ 0.50% · 4.625%
HK$13,692
+HK$785/mo
Deposit HK$2.66M · loan HK$2.66M · min. income ≈ HK$25,814/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$119,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,512
−HK$730/mo
▼ 0.25% · 3.875%
HK$13,874
−HK$368/mo
Today · 4.125%
HK$14,242
baseline
▲ 0.50% · 4.625%
HK$14,992
+HK$750/mo
Deposit HK$2.66M · loan HK$2.66M · min. income ≈ HK$28,484/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$119,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,574
−HK$914/mo
▼ 0.25% · 3.875%
HK$15,028
−HK$460/mo
Today · 4.125%
HK$15,488
baseline
▲ 0.50% · 4.625%
HK$16,431
+HK$943/mo
Deposit HK$2.13M · loan HK$3.20M · min. income ≈ HK$30,976/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$119,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,214
−HK$876/mo
▼ 0.25% · 3.875%
HK$16,649
−HK$441/mo
Today · 4.125%
HK$17,090
baseline
▲ 0.50% · 4.625%
HK$17,991
+HK$901/mo
Deposit HK$2.13M · loan HK$3.20M · min. income ≈ HK$34,180/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$119,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,003
−HK$1,067/mo
▼ 0.25% · 3.875%
HK$17,532
−HK$538/mo
Today · 4.125%
HK$18,070
baseline
▲ 0.50% · 4.625%
HK$19,169
+HK$1,099/mo
Deposit HK$1.60M · loan HK$3.73M · min. income ≈ HK$36,140/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$119,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,916
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$19,424
−HK$514/mo
Today · 4.125%
HK$19,938
baseline
▲ 0.50% · 4.625%
HK$20,989
+HK$1,051/mo
Deposit HK$1.60M · loan HK$3.73M · min. income ≈ HK$39,876/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$119,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,862
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$22,542
−HK$691/mo
Today · 4.125%
HK$23,233
baseline
▲ 0.50% · 4.625%
HK$24,646
+HK$1,413/mo
Deposit HK$533K · loan HK$4.79M · min. income ≈ HK$46,466/mo (50% DSR)
Upfront cash ≈ HK$652K (deposit + AVD stamp duty HK$119,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,321
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$24,973
−HK$662/mo
Today · 4.125%
HK$25,635
baseline
▲ 0.50% · 4.625%
HK$26,986
+HK$1,351/mo
Deposit HK$533K · loan HK$4.79M · min. income ≈ HK$51,270/mo (50% DSR)
Upfront cash ≈ HK$652K (deposit + AVD stamp duty HK$119,842 · 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).