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$12,182
−HK$764/mo
▼ 0.25% · 3.875%
HK$12,561
−HK$385/mo
Today · 4.125%
HK$12,946
baseline
▲ 0.50% · 4.625%
HK$13,734
+HK$788/mo
Deposit HK$2.67M · loan HK$2.67M · min. income ≈ HK$25,892/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$120,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,552
−HK$733/mo
▼ 0.25% · 3.875%
HK$13,916
−HK$369/mo
Today · 4.125%
HK$14,285
baseline
▲ 0.50% · 4.625%
HK$15,038
+HK$753/mo
Deposit HK$2.67M · loan HK$2.67M · min. income ≈ HK$28,570/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$120,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,619
−HK$916/mo
▼ 0.25% · 3.875%
HK$15,073
−HK$462/mo
Today · 4.125%
HK$15,535
baseline
▲ 0.50% · 4.625%
HK$16,481
+HK$946/mo
Deposit HK$2.14M · loan HK$3.21M · min. income ≈ HK$31,070/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,263
−HK$879/mo
▼ 0.25% · 3.875%
HK$16,699
−HK$443/mo
Today · 4.125%
HK$17,142
baseline
▲ 0.50% · 4.625%
HK$18,045
+HK$903/mo
Deposit HK$2.14M · loan HK$3.21M · min. income ≈ HK$34,284/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,055
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$17,585
−HK$539/mo
Today · 4.125%
HK$18,124
baseline
▲ 0.50% · 4.625%
HK$19,227
+HK$1,103/mo
Deposit HK$1.60M · loan HK$3.74M · min. income ≈ HK$36,248/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$120,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,973
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$19,482
−HK$517/mo
Today · 4.125%
HK$19,999
baseline
▲ 0.50% · 4.625%
HK$21,053
+HK$1,054/mo
Deposit HK$1.60M · loan HK$3.74M · min. income ≈ HK$39,998/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$120,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,928
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$22,610
−HK$693/mo
Today · 4.125%
HK$23,303
baseline
▲ 0.50% · 4.625%
HK$24,721
+HK$1,418/mo
Deposit HK$534K · loan HK$4.81M · min. income ≈ HK$46,606/mo (50% DSR)
Upfront cash ≈ HK$654K (deposit + AVD stamp duty HK$120,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,394
−HK$1,318/mo
▼ 0.25% · 3.875%
HK$25,049
−HK$663/mo
Today · 4.125%
HK$25,712
baseline
▲ 0.50% · 4.625%
HK$27,068
+HK$1,356/mo
Deposit HK$534K · loan HK$4.81M · min. income ≈ HK$51,424/mo (50% DSR)
Upfront cash ≈ HK$654K (deposit + AVD stamp duty HK$120,205 · 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).