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$12,255
−HK$768/mo
▼ 0.25% · 3.875%
HK$12,636
−HK$387/mo
Today · 4.125%
HK$13,023
baseline
▲ 0.50% · 4.625%
HK$13,816
+HK$793/mo
Deposit HK$2.69M · loan HK$2.69M · min. income ≈ HK$26,046/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$120,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,633
−HK$737/mo
▼ 0.25% · 3.875%
HK$13,999
−HK$371/mo
Today · 4.125%
HK$14,370
baseline
▲ 0.50% · 4.625%
HK$15,127
+HK$757/mo
Deposit HK$2.69M · loan HK$2.69M · min. income ≈ HK$28,740/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$120,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,706
−HK$922/mo
▼ 0.25% · 3.875%
HK$15,163
−HK$465/mo
Today · 4.125%
HK$15,628
baseline
▲ 0.50% · 4.625%
HK$16,579
+HK$951/mo
Deposit HK$2.15M · loan HK$3.22M · min. income ≈ HK$31,256/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$120,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,360
−HK$884/mo
▼ 0.25% · 3.875%
HK$16,799
−HK$445/mo
Today · 4.125%
HK$17,244
baseline
▲ 0.50% · 4.625%
HK$18,153
+HK$909/mo
Deposit HK$2.15M · loan HK$3.22M · min. income ≈ HK$34,488/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$120,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,157
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$17,690
−HK$543/mo
Today · 4.125%
HK$18,233
baseline
▲ 0.50% · 4.625%
HK$19,342
+HK$1,109/mo
Deposit HK$1.61M · loan HK$3.76M · min. income ≈ HK$36,466/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,087
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$19,599
−HK$519/mo
Today · 4.125%
HK$20,118
baseline
▲ 0.50% · 4.625%
HK$21,178
+HK$1,060/mo
Deposit HK$1.61M · loan HK$3.76M · min. income ≈ HK$40,236/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,059
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$22,745
−HK$697/mo
Today · 4.125%
HK$23,442
baseline
▲ 0.50% · 4.625%
HK$24,868
+HK$1,426/mo
Deposit HK$537K · loan HK$4.84M · min. income ≈ HK$46,884/mo (50% DSR)
Upfront cash ≈ HK$658K (deposit + AVD stamp duty HK$120,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,540
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$25,198
−HK$668/mo
Today · 4.125%
HK$25,866
baseline
▲ 0.50% · 4.625%
HK$27,229
+HK$1,363/mo
Deposit HK$537K · loan HK$4.84M · min. income ≈ HK$51,732/mo (50% DSR)
Upfront cash ≈ HK$658K (deposit + AVD stamp duty HK$120,923 · 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).