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$12,200
−HK$766/mo
▼ 0.25% · 3.875%
HK$12,580
−HK$386/mo
Today · 4.125%
HK$12,966
baseline
▲ 0.50% · 4.625%
HK$13,754
+HK$788/mo
Deposit HK$2.68M · loan HK$2.68M · min. income ≈ HK$25,932/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$120,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,573
−HK$733/mo
▼ 0.25% · 3.875%
HK$13,937
−HK$369/mo
Today · 4.125%
HK$14,306
baseline
▲ 0.50% · 4.625%
HK$15,060
+HK$754/mo
Deposit HK$2.68M · loan HK$2.68M · min. income ≈ HK$28,612/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$120,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,641
−HK$918/mo
▼ 0.25% · 3.875%
HK$15,096
−HK$463/mo
Today · 4.125%
HK$15,559
baseline
▲ 0.50% · 4.625%
HK$16,505
+HK$946/mo
Deposit HK$2.14M · loan HK$3.21M · min. income ≈ HK$31,118/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,287
−HK$880/mo
▼ 0.25% · 3.875%
HK$16,724
−HK$443/mo
Today · 4.125%
HK$17,167
baseline
▲ 0.50% · 4.625%
HK$18,072
+HK$905/mo
Deposit HK$2.14M · loan HK$3.21M · min. income ≈ HK$34,334/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,081
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$17,612
−HK$540/mo
Today · 4.125%
HK$18,152
baseline
▲ 0.50% · 4.625%
HK$19,256
+HK$1,104/mo
Deposit HK$1.61M · loan HK$3.75M · min. income ≈ HK$36,304/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,002
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$19,512
−HK$517/mo
Today · 4.125%
HK$20,029
baseline
▲ 0.50% · 4.625%
HK$21,084
+HK$1,055/mo
Deposit HK$1.61M · loan HK$3.75M · min. income ≈ HK$40,058/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,961
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$22,644
−HK$694/mo
Today · 4.125%
HK$23,338
baseline
▲ 0.50% · 4.625%
HK$24,758
+HK$1,420/mo
Deposit HK$535K · loan HK$4.82M · min. income ≈ HK$46,676/mo (50% DSR)
Upfront cash ≈ HK$655K (deposit + AVD stamp duty HK$120,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,431
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$25,086
−HK$665/mo
Today · 4.125%
HK$25,751
baseline
▲ 0.50% · 4.625%
HK$27,109
+HK$1,358/mo
Deposit HK$535K · loan HK$4.82M · min. income ≈ HK$51,502/mo (50% DSR)
Upfront cash ≈ HK$655K (deposit + AVD stamp duty HK$120,386 · 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).