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$12,167
−HK$763/mo
▼ 0.25% · 3.875%
HK$12,545
−HK$385/mo
Today · 4.125%
HK$12,930
baseline
▲ 0.50% · 4.625%
HK$13,717
+HK$787/mo
Deposit HK$2.67M · loan HK$2.67M · min. income ≈ HK$25,860/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$120,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,536
−HK$731/mo
▼ 0.25% · 3.875%
HK$13,899
−HK$368/mo
Today · 4.125%
HK$14,267
baseline
▲ 0.50% · 4.625%
HK$15,019
+HK$752/mo
Deposit HK$2.67M · loan HK$2.67M · min. income ≈ HK$28,534/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$120,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,600
−HK$916/mo
▼ 0.25% · 3.875%
HK$15,055
−HK$461/mo
Today · 4.125%
HK$15,516
baseline
▲ 0.50% · 4.625%
HK$16,460
+HK$944/mo
Deposit HK$2.13M · loan HK$3.20M · min. income ≈ HK$31,032/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$120,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,243
−HK$877/mo
▼ 0.25% · 3.875%
HK$16,678
−HK$442/mo
Today · 4.125%
HK$17,120
baseline
▲ 0.50% · 4.625%
HK$18,023
+HK$903/mo
Deposit HK$2.13M · loan HK$3.20M · min. income ≈ HK$34,240/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$120,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,034
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$17,564
−HK$538/mo
Today · 4.125%
HK$18,102
baseline
▲ 0.50% · 4.625%
HK$19,203
+HK$1,101/mo
Deposit HK$1.60M · loan HK$3.74M · min. income ≈ HK$36,204/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$120,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,950
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$19,458
−HK$516/mo
Today · 4.125%
HK$19,974
baseline
▲ 0.50% · 4.625%
HK$21,027
+HK$1,053/mo
Deposit HK$1.60M · loan HK$3.74M · min. income ≈ HK$39,948/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$120,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,901
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$22,582
−HK$692/mo
Today · 4.125%
HK$23,274
baseline
▲ 0.50% · 4.625%
HK$24,690
+HK$1,416/mo
Deposit HK$534K · loan HK$4.80M · min. income ≈ HK$46,548/mo (50% DSR)
Upfront cash ≈ HK$654K (deposit + AVD stamp duty HK$120,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,364
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$25,018
−HK$662/mo
Today · 4.125%
HK$25,680
baseline
▲ 0.50% · 4.625%
HK$27,034
+HK$1,354/mo
Deposit HK$534K · loan HK$4.80M · min. income ≈ HK$51,360/mo (50% DSR)
Upfront cash ≈ HK$654K (deposit + AVD stamp duty HK$120,056 · 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).