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$12,193
−HK$765/mo
▼ 0.25% · 3.875%
HK$12,572
−HK$386/mo
Today · 4.125%
HK$12,958
baseline
▲ 0.50% · 4.625%
HK$13,746
+HK$788/mo
Deposit HK$2.67M · loan HK$2.67M · min. income ≈ HK$25,916/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$120,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,565
−HK$733/mo
▼ 0.25% · 3.875%
HK$13,928
−HK$370/mo
Today · 4.125%
HK$14,298
baseline
▲ 0.50% · 4.625%
HK$15,051
+HK$753/mo
Deposit HK$2.67M · loan HK$2.67M · min. income ≈ HK$28,596/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$120,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,632
−HK$917/mo
▼ 0.25% · 3.875%
HK$15,087
−HK$462/mo
Today · 4.125%
HK$15,549
baseline
▲ 0.50% · 4.625%
HK$16,495
+HK$946/mo
Deposit HK$2.14M · loan HK$3.21M · min. income ≈ HK$31,098/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,278
−HK$879/mo
▼ 0.25% · 3.875%
HK$16,714
−HK$443/mo
Today · 4.125%
HK$17,157
baseline
▲ 0.50% · 4.625%
HK$18,061
+HK$904/mo
Deposit HK$2.14M · loan HK$3.21M · min. income ≈ HK$34,314/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,070
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$17,601
−HK$540/mo
Today · 4.125%
HK$18,141
baseline
▲ 0.50% · 4.625%
HK$19,245
+HK$1,104/mo
Deposit HK$1.60M · loan HK$3.74M · min. income ≈ HK$36,282/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$120,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,991
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$19,500
−HK$517/mo
Today · 4.125%
HK$20,017
baseline
▲ 0.50% · 4.625%
HK$21,072
+HK$1,055/mo
Deposit HK$1.60M · loan HK$3.74M · min. income ≈ HK$40,034/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$120,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,948
−HK$1,376/mo
▼ 0.25% · 3.875%
HK$22,630
−HK$694/mo
Today · 4.125%
HK$23,324
baseline
▲ 0.50% · 4.625%
HK$24,743
+HK$1,419/mo
Deposit HK$535K · loan HK$4.81M · min. income ≈ HK$46,648/mo (50% DSR)
Upfront cash ≈ HK$655K (deposit + AVD stamp duty HK$120,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,416
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$25,071
−HK$665/mo
Today · 4.125%
HK$25,736
baseline
▲ 0.50% · 4.625%
HK$27,092
+HK$1,356/mo
Deposit HK$535K · loan HK$4.81M · min. income ≈ HK$51,472/mo (50% DSR)
Upfront cash ≈ HK$655K (deposit + AVD stamp duty HK$120,314 · 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).