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$12,160
−HK$763/mo
▼ 0.25% · 3.875%
HK$12,539
−HK$384/mo
Today · 4.125%
HK$12,923
baseline
▲ 0.50% · 4.625%
HK$13,709
+HK$786/mo
Deposit HK$2.67M · loan HK$2.67M · min. income ≈ HK$25,846/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$119,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,528
−HK$731/mo
▼ 0.25% · 3.875%
HK$13,891
−HK$368/mo
Today · 4.125%
HK$14,259
baseline
▲ 0.50% · 4.625%
HK$15,011
+HK$752/mo
Deposit HK$2.67M · loan HK$2.67M · min. income ≈ HK$28,518/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$119,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,593
−HK$915/mo
▼ 0.25% · 3.875%
HK$15,047
−HK$461/mo
Today · 4.125%
HK$15,508
baseline
▲ 0.50% · 4.625%
HK$16,451
+HK$943/mo
Deposit HK$2.13M · loan HK$3.20M · min. income ≈ HK$31,016/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$119,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,234
−HK$877/mo
▼ 0.25% · 3.875%
HK$16,670
−HK$441/mo
Today · 4.125%
HK$17,111
baseline
▲ 0.50% · 4.625%
HK$18,013
+HK$902/mo
Deposit HK$2.13M · loan HK$3.20M · min. income ≈ HK$34,222/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$119,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,025
−HK$1,067/mo
▼ 0.25% · 3.875%
HK$17,554
−HK$538/mo
Today · 4.125%
HK$18,092
baseline
▲ 0.50% · 4.625%
HK$19,193
+HK$1,101/mo
Deposit HK$1.60M · loan HK$3.73M · min. income ≈ HK$36,184/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$119,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,940
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$19,448
−HK$515/mo
Today · 4.125%
HK$19,963
baseline
▲ 0.50% · 4.625%
HK$21,015
+HK$1,052/mo
Deposit HK$1.60M · loan HK$3.73M · min. income ≈ HK$39,926/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$119,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,889
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$22,570
−HK$692/mo
Today · 4.125%
HK$23,262
baseline
▲ 0.50% · 4.625%
HK$24,677
+HK$1,415/mo
Deposit HK$533K · loan HK$4.80M · min. income ≈ HK$46,524/mo (50% DSR)
Upfront cash ≈ HK$653K (deposit + AVD stamp duty HK$119,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,351
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$25,004
−HK$663/mo
Today · 4.125%
HK$25,667
baseline
▲ 0.50% · 4.625%
HK$27,020
+HK$1,353/mo
Deposit HK$533K · loan HK$4.80M · min. income ≈ HK$51,334/mo (50% DSR)
Upfront cash ≈ HK$653K (deposit + AVD stamp duty HK$119,992 · 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).