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$12,194
−HK$765/mo
▼ 0.25% · 3.875%
HK$12,573
−HK$386/mo
Today · 4.125%
HK$12,959
baseline
▲ 0.50% · 4.625%
HK$13,747
+HK$788/mo
Deposit HK$2.67M · loan HK$2.67M · min. income ≈ HK$25,918/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$120,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,566
−HK$733/mo
▼ 0.25% · 3.875%
HK$13,930
−HK$369/mo
Today · 4.125%
HK$14,299
baseline
▲ 0.50% · 4.625%
HK$15,052
+HK$753/mo
Deposit HK$2.67M · loan HK$2.67M · min. income ≈ HK$28,598/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$120,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,633
−HK$917/mo
▼ 0.25% · 3.875%
HK$15,088
−HK$462/mo
Today · 4.125%
HK$15,550
baseline
▲ 0.50% · 4.625%
HK$16,497
+HK$947/mo
Deposit HK$2.14M · loan HK$3.21M · min. income ≈ HK$31,100/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,279
−HK$879/mo
▼ 0.25% · 3.875%
HK$16,716
−HK$442/mo
Today · 4.125%
HK$17,158
baseline
▲ 0.50% · 4.625%
HK$18,063
+HK$905/mo
Deposit HK$2.14M · loan HK$3.21M · min. income ≈ HK$34,316/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,072
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$17,603
−HK$539/mo
Today · 4.125%
HK$18,142
baseline
▲ 0.50% · 4.625%
HK$19,246
+HK$1,104/mo
Deposit HK$1.60M · loan HK$3.74M · min. income ≈ HK$36,284/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$120,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,992
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$19,501
−HK$517/mo
Today · 4.125%
HK$20,018
baseline
▲ 0.50% · 4.625%
HK$21,073
+HK$1,055/mo
Deposit HK$1.60M · loan HK$3.74M · min. income ≈ HK$40,036/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$120,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,949
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$22,632
−HK$694/mo
Today · 4.125%
HK$23,326
baseline
▲ 0.50% · 4.625%
HK$24,745
+HK$1,419/mo
Deposit HK$535K · loan HK$4.81M · min. income ≈ HK$46,652/mo (50% DSR)
Upfront cash ≈ HK$655K (deposit + AVD stamp duty HK$120,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,418
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$25,073
−HK$665/mo
Today · 4.125%
HK$25,738
baseline
▲ 0.50% · 4.625%
HK$27,094
+HK$1,356/mo
Deposit HK$535K · loan HK$4.81M · min. income ≈ HK$51,476/mo (50% DSR)
Upfront cash ≈ HK$655K (deposit + AVD stamp duty HK$120,323 · 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).