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$12,223
−HK$767/mo
▼ 0.25% · 3.875%
HK$12,603
−HK$387/mo
Today · 4.125%
HK$12,990
baseline
▲ 0.50% · 4.625%
HK$13,780
+HK$790/mo
Deposit HK$2.68M · loan HK$2.68M · min. income ≈ HK$25,980/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$120,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,598
−HK$735/mo
▼ 0.25% · 3.875%
HK$13,963
−HK$370/mo
Today · 4.125%
HK$14,333
baseline
▲ 0.50% · 4.625%
HK$15,088
+HK$755/mo
Deposit HK$2.68M · loan HK$2.68M · min. income ≈ HK$28,666/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$120,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,668
−HK$920/mo
▼ 0.25% · 3.875%
HK$15,124
−HK$464/mo
Today · 4.125%
HK$15,588
baseline
▲ 0.50% · 4.625%
HK$16,536
+HK$948/mo
Deposit HK$2.14M · loan HK$3.22M · min. income ≈ HK$31,176/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,318
−HK$882/mo
▼ 0.25% · 3.875%
HK$16,756
−HK$444/mo
Today · 4.125%
HK$17,200
baseline
▲ 0.50% · 4.625%
HK$18,106
+HK$906/mo
Deposit HK$2.14M · loan HK$3.22M · min. income ≈ HK$34,400/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,113
−HK$1,073/mo
▼ 0.25% · 3.875%
HK$17,645
−HK$541/mo
Today · 4.125%
HK$18,186
baseline
▲ 0.50% · 4.625%
HK$19,292
+HK$1,106/mo
Deposit HK$1.61M · loan HK$3.75M · min. income ≈ HK$36,372/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,038
−HK$1,028/mo
▼ 0.25% · 3.875%
HK$19,548
−HK$518/mo
Today · 4.125%
HK$20,066
baseline
▲ 0.50% · 4.625%
HK$21,124
+HK$1,058/mo
Deposit HK$1.61M · loan HK$3.75M · min. income ≈ HK$40,132/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,002
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$22,686
−HK$696/mo
Today · 4.125%
HK$23,382
baseline
▲ 0.50% · 4.625%
HK$24,804
+HK$1,422/mo
Deposit HK$536K · loan HK$4.82M · min. income ≈ HK$46,764/mo (50% DSR)
Upfront cash ≈ HK$657K (deposit + AVD stamp duty HK$120,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,477
−HK$1,322/mo
▼ 0.25% · 3.875%
HK$25,133
−HK$666/mo
Today · 4.125%
HK$25,799
baseline
▲ 0.50% · 4.625%
HK$27,159
+HK$1,360/mo
Deposit HK$536K · loan HK$4.82M · min. income ≈ HK$51,598/mo (50% DSR)
Upfront cash ≈ HK$657K (deposit + AVD stamp duty HK$120,611 · 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).