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$12,188
−HK$764/mo
▼ 0.25% · 3.875%
HK$12,567
−HK$385/mo
Today · 4.125%
HK$12,952
baseline
▲ 0.50% · 4.625%
HK$13,740
+HK$788/mo
Deposit HK$2.67M · loan HK$2.67M · min. income ≈ HK$25,904/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$120,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,559
−HK$733/mo
▼ 0.25% · 3.875%
HK$13,923
−HK$369/mo
Today · 4.125%
HK$14,292
baseline
▲ 0.50% · 4.625%
HK$15,045
+HK$753/mo
Deposit HK$2.67M · loan HK$2.67M · min. income ≈ HK$28,584/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$120,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,626
−HK$917/mo
▼ 0.25% · 3.875%
HK$15,081
−HK$462/mo
Today · 4.125%
HK$15,543
baseline
▲ 0.50% · 4.625%
HK$16,489
+HK$946/mo
Deposit HK$2.14M · loan HK$3.21M · min. income ≈ HK$31,086/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,271
−HK$879/mo
▼ 0.25% · 3.875%
HK$16,707
−HK$443/mo
Today · 4.125%
HK$17,150
baseline
▲ 0.50% · 4.625%
HK$18,054
+HK$904/mo
Deposit HK$2.14M · loan HK$3.21M · min. income ≈ HK$34,300/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,063
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$17,594
−HK$539/mo
Today · 4.125%
HK$18,133
baseline
▲ 0.50% · 4.625%
HK$19,237
+HK$1,104/mo
Deposit HK$1.60M · loan HK$3.74M · min. income ≈ HK$36,266/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$120,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,983
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$19,492
−HK$516/mo
Today · 4.125%
HK$20,008
baseline
▲ 0.50% · 4.625%
HK$21,063
+HK$1,055/mo
Deposit HK$1.60M · loan HK$3.74M · min. income ≈ HK$40,016/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$120,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,938
−HK$1,376/mo
▼ 0.25% · 3.875%
HK$22,621
−HK$693/mo
Today · 4.125%
HK$23,314
baseline
▲ 0.50% · 4.625%
HK$24,733
+HK$1,419/mo
Deposit HK$535K · loan HK$4.81M · min. income ≈ HK$46,628/mo (50% DSR)
Upfront cash ≈ HK$655K (deposit + AVD stamp duty HK$120,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,406
−HK$1,319/mo
▼ 0.25% · 3.875%
HK$25,061
−HK$664/mo
Today · 4.125%
HK$25,725
baseline
▲ 0.50% · 4.625%
HK$27,081
+HK$1,356/mo
Deposit HK$535K · loan HK$4.81M · min. income ≈ HK$51,450/mo (50% DSR)
Upfront cash ≈ HK$655K (deposit + AVD stamp duty HK$120,263 · 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).