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$12,207
−HK$766/mo
▼ 0.25% · 3.875%
HK$12,587
−HK$386/mo
Today · 4.125%
HK$12,973
baseline
▲ 0.50% · 4.625%
HK$13,762
+HK$789/mo
Deposit HK$2.68M · loan HK$2.68M · min. income ≈ HK$25,946/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$120,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,581
−HK$733/mo
▼ 0.25% · 3.875%
HK$13,945
−HK$369/mo
Today · 4.125%
HK$14,314
baseline
▲ 0.50% · 4.625%
HK$15,069
+HK$755/mo
Deposit HK$2.68M · loan HK$2.68M · min. income ≈ HK$28,628/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$120,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,649
−HK$919/mo
▼ 0.25% · 3.875%
HK$15,105
−HK$463/mo
Today · 4.125%
HK$15,568
baseline
▲ 0.50% · 4.625%
HK$16,515
+HK$947/mo
Deposit HK$2.14M · loan HK$3.21M · min. income ≈ HK$31,136/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,297
−HK$880/mo
▼ 0.25% · 3.875%
HK$16,734
−HK$443/mo
Today · 4.125%
HK$17,177
baseline
▲ 0.50% · 4.625%
HK$18,083
+HK$906/mo
Deposit HK$2.14M · loan HK$3.21M · min. income ≈ HK$34,354/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,090
−HK$1,072/mo
▼ 0.25% · 3.875%
HK$17,622
−HK$540/mo
Today · 4.125%
HK$18,162
baseline
▲ 0.50% · 4.625%
HK$19,267
+HK$1,105/mo
Deposit HK$1.61M · loan HK$3.75M · min. income ≈ HK$36,324/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,013
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$19,523
−HK$517/mo
Today · 4.125%
HK$20,040
baseline
▲ 0.50% · 4.625%
HK$21,097
+HK$1,057/mo
Deposit HK$1.61M · loan HK$3.75M · min. income ≈ HK$40,080/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,973
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$22,657
−HK$694/mo
Today · 4.125%
HK$23,351
baseline
▲ 0.50% · 4.625%
HK$24,772
+HK$1,421/mo
Deposit HK$535K · loan HK$4.82M · min. income ≈ HK$46,702/mo (50% DSR)
Upfront cash ≈ HK$656K (deposit + AVD stamp duty HK$120,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,445
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$25,101
−HK$665/mo
Today · 4.125%
HK$25,766
baseline
▲ 0.50% · 4.625%
HK$27,124
+HK$1,358/mo
Deposit HK$535K · loan HK$4.82M · min. income ≈ HK$51,532/mo (50% DSR)
Upfront cash ≈ HK$656K (deposit + AVD stamp duty HK$120,455 · 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).