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$12,261
−HK$769/mo
▼ 0.25% · 3.875%
HK$12,642
−HK$388/mo
Today · 4.125%
HK$13,030
baseline
▲ 0.50% · 4.625%
HK$13,823
+HK$793/mo
Deposit HK$2.69M · loan HK$2.69M · min. income ≈ HK$26,060/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$120,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,640
−HK$737/mo
▼ 0.25% · 3.875%
HK$14,006
−HK$371/mo
Today · 4.125%
HK$14,377
baseline
▲ 0.50% · 4.625%
HK$15,135
+HK$758/mo
Deposit HK$2.69M · loan HK$2.69M · min. income ≈ HK$28,754/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$120,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,713
−HK$923/mo
▼ 0.25% · 3.875%
HK$15,171
−HK$465/mo
Today · 4.125%
HK$15,636
baseline
▲ 0.50% · 4.625%
HK$16,587
+HK$951/mo
Deposit HK$2.15M · loan HK$3.23M · min. income ≈ HK$31,272/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$120,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,368
−HK$884/mo
▼ 0.25% · 3.875%
HK$16,807
−HK$445/mo
Today · 4.125%
HK$17,252
baseline
▲ 0.50% · 4.625%
HK$18,162
+HK$910/mo
Deposit HK$2.15M · loan HK$3.23M · min. income ≈ HK$34,504/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$120,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,165
−HK$1,077/mo
▼ 0.25% · 3.875%
HK$17,699
−HK$543/mo
Today · 4.125%
HK$18,242
baseline
▲ 0.50% · 4.625%
HK$19,352
+HK$1,110/mo
Deposit HK$1.61M · loan HK$3.76M · min. income ≈ HK$36,484/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,096
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$19,608
−HK$520/mo
Today · 4.125%
HK$20,128
baseline
▲ 0.50% · 4.625%
HK$21,189
+HK$1,061/mo
Deposit HK$1.61M · loan HK$3.76M · min. income ≈ HK$40,256/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,070
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$22,756
−HK$697/mo
Today · 4.125%
HK$23,453
baseline
▲ 0.50% · 4.625%
HK$24,881
+HK$1,428/mo
Deposit HK$538K · loan HK$4.84M · min. income ≈ HK$46,906/mo (50% DSR)
Upfront cash ≈ HK$659K (deposit + AVD stamp duty HK$120,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,552
−HK$1,327/mo
▼ 0.25% · 3.875%
HK$25,211
−HK$668/mo
Today · 4.125%
HK$25,879
baseline
▲ 0.50% · 4.625%
HK$27,243
+HK$1,364/mo
Deposit HK$538K · loan HK$4.84M · min. income ≈ HK$51,758/mo (50% DSR)
Upfront cash ≈ HK$659K (deposit + AVD stamp duty HK$120,982 · 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).