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$12,124
−HK$760/mo
▼ 0.25% · 3.875%
HK$12,501
−HK$383/mo
Today · 4.125%
HK$12,884
baseline
▲ 0.50% · 4.625%
HK$13,668
+HK$784/mo
Deposit HK$2.66M · loan HK$2.66M · min. income ≈ HK$25,768/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$119,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,488
−HK$728/mo
▼ 0.25% · 3.875%
HK$13,849
−HK$367/mo
Today · 4.125%
HK$14,216
baseline
▲ 0.50% · 4.625%
HK$14,966
+HK$750/mo
Deposit HK$2.66M · loan HK$2.66M · min. income ≈ HK$28,432/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$119,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,549
−HK$912/mo
▼ 0.25% · 3.875%
HK$15,001
−HK$460/mo
Today · 4.125%
HK$15,461
baseline
▲ 0.50% · 4.625%
HK$16,402
+HK$941/mo
Deposit HK$2.13M · loan HK$3.19M · min. income ≈ HK$30,922/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$119,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,185
−HK$875/mo
▼ 0.25% · 3.875%
HK$16,619
−HK$441/mo
Today · 4.125%
HK$17,060
baseline
▲ 0.50% · 4.625%
HK$17,959
+HK$899/mo
Deposit HK$2.13M · loan HK$3.19M · min. income ≈ HK$34,120/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$119,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,973
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$17,501
−HK$537/mo
Today · 4.125%
HK$18,038
baseline
▲ 0.50% · 4.625%
HK$19,135
+HK$1,097/mo
Deposit HK$1.60M · loan HK$3.72M · min. income ≈ HK$36,076/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,883
−HK$1,020/mo
▼ 0.25% · 3.875%
HK$19,389
−HK$514/mo
Today · 4.125%
HK$19,903
baseline
▲ 0.50% · 4.625%
HK$20,952
+HK$1,049/mo
Deposit HK$1.60M · loan HK$3.72M · min. income ≈ HK$39,806/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,823
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$22,502
−HK$690/mo
Today · 4.125%
HK$23,192
baseline
▲ 0.50% · 4.625%
HK$24,603
+HK$1,411/mo
Deposit HK$532K · loan HK$4.79M · min. income ≈ HK$46,384/mo (50% DSR)
Upfront cash ≈ HK$651K (deposit + AVD stamp duty HK$119,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,278
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$24,929
−HK$661/mo
Today · 4.125%
HK$25,590
baseline
▲ 0.50% · 4.625%
HK$26,938
+HK$1,348/mo
Deposit HK$532K · loan HK$4.79M · min. income ≈ HK$51,180/mo (50% DSR)
Upfront cash ≈ HK$651K (deposit + AVD stamp duty HK$119,631 · 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).