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$12,191
−HK$765/mo
▼ 0.25% · 3.875%
HK$12,571
−HK$385/mo
Today · 4.125%
HK$12,956
baseline
▲ 0.50% · 4.625%
HK$13,744
+HK$788/mo
Deposit HK$2.67M · loan HK$2.67M · min. income ≈ HK$25,912/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$120,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,563
−HK$733/mo
▼ 0.25% · 3.875%
HK$13,927
−HK$369/mo
Today · 4.125%
HK$14,296
baseline
▲ 0.50% · 4.625%
HK$15,049
+HK$753/mo
Deposit HK$2.67M · loan HK$2.67M · min. income ≈ HK$28,592/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$120,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,630
−HK$917/mo
▼ 0.25% · 3.875%
HK$15,085
−HK$462/mo
Today · 4.125%
HK$15,547
baseline
▲ 0.50% · 4.625%
HK$16,493
+HK$946/mo
Deposit HK$2.14M · loan HK$3.21M · min. income ≈ HK$31,094/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,275
−HK$880/mo
▼ 0.25% · 3.875%
HK$16,712
−HK$443/mo
Today · 4.125%
HK$17,155
baseline
▲ 0.50% · 4.625%
HK$18,059
+HK$904/mo
Deposit HK$2.14M · loan HK$3.21M · min. income ≈ HK$34,310/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,068
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$17,599
−HK$539/mo
Today · 4.125%
HK$18,138
baseline
▲ 0.50% · 4.625%
HK$19,242
+HK$1,104/mo
Deposit HK$1.60M · loan HK$3.74M · min. income ≈ HK$36,276/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$120,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,988
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$19,497
−HK$517/mo
Today · 4.125%
HK$20,014
baseline
▲ 0.50% · 4.625%
HK$21,069
+HK$1,055/mo
Deposit HK$1.60M · loan HK$3.74M · min. income ≈ HK$40,028/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$120,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,945
−HK$1,376/mo
▼ 0.25% · 3.875%
HK$22,627
−HK$694/mo
Today · 4.125%
HK$23,321
baseline
▲ 0.50% · 4.625%
HK$24,740
+HK$1,419/mo
Deposit HK$535K · loan HK$4.81M · min. income ≈ HK$46,642/mo (50% DSR)
Upfront cash ≈ HK$655K (deposit + AVD stamp duty HK$120,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,413
−HK$1,319/mo
▼ 0.25% · 3.875%
HK$25,068
−HK$664/mo
Today · 4.125%
HK$25,732
baseline
▲ 0.50% · 4.625%
HK$27,088
+HK$1,356/mo
Deposit HK$535K · loan HK$4.81M · min. income ≈ HK$51,464/mo (50% DSR)
Upfront cash ≈ HK$655K (deposit + AVD stamp duty HK$120,297 · 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).