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$12,274
−HK$770/mo
▼ 0.25% · 3.875%
HK$12,656
−HK$388/mo
Today · 4.125%
HK$13,044
baseline
▲ 0.50% · 4.625%
HK$13,837
+HK$793/mo
Deposit HK$2.69M · loan HK$2.69M · min. income ≈ HK$26,088/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$121,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,655
−HK$737/mo
▼ 0.25% · 3.875%
HK$14,021
−HK$371/mo
Today · 4.125%
HK$14,392
baseline
▲ 0.50% · 4.625%
HK$15,151
+HK$759/mo
Deposit HK$2.69M · loan HK$2.69M · min. income ≈ HK$28,784/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$121,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,729
−HK$923/mo
▼ 0.25% · 3.875%
HK$15,187
−HK$465/mo
Today · 4.125%
HK$15,652
baseline
▲ 0.50% · 4.625%
HK$16,605
+HK$953/mo
Deposit HK$2.15M · loan HK$3.23M · min. income ≈ HK$31,304/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$121,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,386
−HK$885/mo
▼ 0.25% · 3.875%
HK$16,825
−HK$446/mo
Today · 4.125%
HK$17,271
baseline
▲ 0.50% · 4.625%
HK$18,181
+HK$910/mo
Deposit HK$2.15M · loan HK$3.23M · min. income ≈ HK$34,542/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$121,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,184
−HK$1,077/mo
▼ 0.25% · 3.875%
HK$17,718
−HK$543/mo
Today · 4.125%
HK$18,261
baseline
▲ 0.50% · 4.625%
HK$19,372
+HK$1,111/mo
Deposit HK$1.61M · loan HK$3.77M · min. income ≈ HK$36,522/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,117
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$19,629
−HK$520/mo
Today · 4.125%
HK$20,149
baseline
▲ 0.50% · 4.625%
HK$21,211
+HK$1,062/mo
Deposit HK$1.61M · loan HK$3.77M · min. income ≈ HK$40,298/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,093
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$22,780
−HK$699/mo
Today · 4.125%
HK$23,479
baseline
▲ 0.50% · 4.625%
HK$24,907
+HK$1,428/mo
Deposit HK$538K · loan HK$4.84M · min. income ≈ HK$46,958/mo (50% DSR)
Upfront cash ≈ HK$659K (deposit + AVD stamp duty HK$121,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,578
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$25,238
−HK$668/mo
Today · 4.125%
HK$25,906
baseline
▲ 0.50% · 4.625%
HK$27,272
+HK$1,366/mo
Deposit HK$538K · loan HK$4.84M · min. income ≈ HK$51,812/mo (50% DSR)
Upfront cash ≈ HK$659K (deposit + AVD stamp duty HK$121,112 · 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).