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$12,179
−HK$763/mo
▼ 0.25% · 3.875%
HK$12,557
−HK$385/mo
Today · 4.125%
HK$12,942
baseline
▲ 0.50% · 4.625%
HK$13,730
+HK$788/mo
Deposit HK$2.67M · loan HK$2.67M · min. income ≈ HK$25,884/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$120,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,548
−HK$732/mo
▼ 0.25% · 3.875%
HK$13,912
−HK$368/mo
Today · 4.125%
HK$14,280
baseline
▲ 0.50% · 4.625%
HK$15,033
+HK$753/mo
Deposit HK$2.67M · loan HK$2.67M · min. income ≈ HK$28,560/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$120,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,614
−HK$917/mo
▼ 0.25% · 3.875%
HK$15,069
−HK$462/mo
Today · 4.125%
HK$15,531
baseline
▲ 0.50% · 4.625%
HK$16,476
+HK$945/mo
Deposit HK$2.14M · loan HK$3.20M · min. income ≈ HK$31,062/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,258
−HK$879/mo
▼ 0.25% · 3.875%
HK$16,694
−HK$443/mo
Today · 4.125%
HK$17,137
baseline
▲ 0.50% · 4.625%
HK$18,040
+HK$903/mo
Deposit HK$2.14M · loan HK$3.20M · min. income ≈ HK$34,274/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,050
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$17,580
−HK$539/mo
Today · 4.125%
HK$18,119
baseline
▲ 0.50% · 4.625%
HK$19,222
+HK$1,103/mo
Deposit HK$1.60M · loan HK$3.74M · min. income ≈ HK$36,238/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$120,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,968
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$19,477
−HK$516/mo
Today · 4.125%
HK$19,993
baseline
▲ 0.50% · 4.625%
HK$21,046
+HK$1,053/mo
Deposit HK$1.60M · loan HK$3.74M · min. income ≈ HK$39,986/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$120,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,921
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$22,603
−HK$693/mo
Today · 4.125%
HK$23,296
baseline
▲ 0.50% · 4.625%
HK$24,714
+HK$1,418/mo
Deposit HK$534K · loan HK$4.81M · min. income ≈ HK$46,592/mo (50% DSR)
Upfront cash ≈ HK$654K (deposit + AVD stamp duty HK$120,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,387
−HK$1,318/mo
▼ 0.25% · 3.875%
HK$25,041
−HK$664/mo
Today · 4.125%
HK$25,705
baseline
▲ 0.50% · 4.625%
HK$27,060
+HK$1,355/mo
Deposit HK$534K · loan HK$4.81M · min. income ≈ HK$51,410/mo (50% DSR)
Upfront cash ≈ HK$654K (deposit + AVD stamp duty HK$120,170 · 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).