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$12,162
−HK$763/mo
▼ 0.25% · 3.875%
HK$12,540
−HK$385/mo
Today · 4.125%
HK$12,925
baseline
▲ 0.50% · 4.625%
HK$13,711
+HK$786/mo
Deposit HK$2.67M · loan HK$2.67M · min. income ≈ HK$25,850/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$120,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,530
−HK$731/mo
▼ 0.25% · 3.875%
HK$13,893
−HK$368/mo
Today · 4.125%
HK$14,261
baseline
▲ 0.50% · 4.625%
HK$15,013
+HK$752/mo
Deposit HK$2.67M · loan HK$2.67M · min. income ≈ HK$28,522/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$120,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,595
−HK$915/mo
▼ 0.25% · 3.875%
HK$15,049
−HK$461/mo
Today · 4.125%
HK$15,510
baseline
▲ 0.50% · 4.625%
HK$16,454
+HK$944/mo
Deposit HK$2.13M · loan HK$3.20M · min. income ≈ HK$31,020/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$120,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,236
−HK$878/mo
▼ 0.25% · 3.875%
HK$16,672
−HK$442/mo
Today · 4.125%
HK$17,114
baseline
▲ 0.50% · 4.625%
HK$18,016
+HK$902/mo
Deposit HK$2.13M · loan HK$3.20M · min. income ≈ HK$34,228/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$120,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,027
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$17,557
−HK$538/mo
Today · 4.125%
HK$18,095
baseline
▲ 0.50% · 4.625%
HK$19,196
+HK$1,101/mo
Deposit HK$1.60M · loan HK$3.73M · min. income ≈ HK$36,190/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$120,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,942
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$19,450
−HK$516/mo
Today · 4.125%
HK$19,966
baseline
▲ 0.50% · 4.625%
HK$21,018
+HK$1,052/mo
Deposit HK$1.60M · loan HK$3.73M · min. income ≈ HK$39,932/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$120,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,892
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$22,573
−HK$692/mo
Today · 4.125%
HK$23,265
baseline
▲ 0.50% · 4.625%
HK$24,680
+HK$1,415/mo
Deposit HK$533K · loan HK$4.80M · min. income ≈ HK$46,530/mo (50% DSR)
Upfront cash ≈ HK$653K (deposit + AVD stamp duty HK$120,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,354
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$25,008
−HK$662/mo
Today · 4.125%
HK$25,670
baseline
▲ 0.50% · 4.625%
HK$27,023
+HK$1,353/mo
Deposit HK$533K · loan HK$4.80M · min. income ≈ HK$51,340/mo (50% DSR)
Upfront cash ≈ HK$653K (deposit + AVD stamp duty HK$120,008 · 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).