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$12,204
−HK$765/mo
▼ 0.25% · 3.875%
HK$12,583
−HK$386/mo
Today · 4.125%
HK$12,969
baseline
▲ 0.50% · 4.625%
HK$13,758
+HK$789/mo
Deposit HK$2.68M · loan HK$2.68M · min. income ≈ HK$25,938/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$120,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,576
−HK$734/mo
▼ 0.25% · 3.875%
HK$13,940
−HK$370/mo
Today · 4.125%
HK$14,310
baseline
▲ 0.50% · 4.625%
HK$15,064
+HK$754/mo
Deposit HK$2.68M · loan HK$2.68M · min. income ≈ HK$28,620/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$120,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,644
−HK$919/mo
▼ 0.25% · 3.875%
HK$15,100
−HK$463/mo
Today · 4.125%
HK$15,563
baseline
▲ 0.50% · 4.625%
HK$16,509
+HK$946/mo
Deposit HK$2.14M · loan HK$3.21M · min. income ≈ HK$31,126/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,292
−HK$880/mo
▼ 0.25% · 3.875%
HK$16,728
−HK$444/mo
Today · 4.125%
HK$17,172
baseline
▲ 0.50% · 4.625%
HK$18,077
+HK$905/mo
Deposit HK$2.14M · loan HK$3.21M · min. income ≈ HK$34,344/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,085
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$17,616
−HK$540/mo
Today · 4.125%
HK$18,156
baseline
▲ 0.50% · 4.625%
HK$19,261
+HK$1,105/mo
Deposit HK$1.61M · loan HK$3.75M · min. income ≈ HK$36,312/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,007
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$19,517
−HK$517/mo
Today · 4.125%
HK$20,034
baseline
▲ 0.50% · 4.625%
HK$21,090
+HK$1,056/mo
Deposit HK$1.61M · loan HK$3.75M · min. income ≈ HK$40,068/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,966
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$22,650
−HK$694/mo
Today · 4.125%
HK$23,344
baseline
▲ 0.50% · 4.625%
HK$24,764
+HK$1,420/mo
Deposit HK$535K · loan HK$4.82M · min. income ≈ HK$46,688/mo (50% DSR)
Upfront cash ≈ HK$656K (deposit + AVD stamp duty HK$120,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,437
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$25,093
−HK$665/mo
Today · 4.125%
HK$25,758
baseline
▲ 0.50% · 4.625%
HK$27,115
+HK$1,357/mo
Deposit HK$535K · loan HK$4.82M · min. income ≈ HK$51,516/mo (50% DSR)
Upfront cash ≈ HK$656K (deposit + AVD stamp duty HK$120,416 · 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).