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$12,149
−HK$762/mo
▼ 0.25% · 3.875%
HK$12,527
−HK$384/mo
Today · 4.125%
HK$12,911
baseline
▲ 0.50% · 4.625%
HK$13,697
+HK$786/mo
Deposit HK$2.66M · loan HK$2.66M · min. income ≈ HK$25,822/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$119,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,516
−HK$730/mo
▼ 0.25% · 3.875%
HK$13,878
−HK$368/mo
Today · 4.125%
HK$14,246
baseline
▲ 0.50% · 4.625%
HK$14,997
+HK$751/mo
Deposit HK$2.66M · loan HK$2.66M · min. income ≈ HK$28,492/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$119,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,579
−HK$914/mo
▼ 0.25% · 3.875%
HK$15,033
−HK$460/mo
Today · 4.125%
HK$15,493
baseline
▲ 0.50% · 4.625%
HK$16,436
+HK$943/mo
Deposit HK$2.13M · loan HK$3.20M · min. income ≈ HK$30,986/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$119,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,219
−HK$876/mo
▼ 0.25% · 3.875%
HK$16,654
−HK$441/mo
Today · 4.125%
HK$17,095
baseline
▲ 0.50% · 4.625%
HK$17,996
+HK$901/mo
Deposit HK$2.13M · loan HK$3.20M · min. income ≈ HK$34,190/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$119,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,009
−HK$1,066/mo
▼ 0.25% · 3.875%
HK$17,538
−HK$537/mo
Today · 4.125%
HK$18,075
baseline
▲ 0.50% · 4.625%
HK$19,175
+HK$1,100/mo
Deposit HK$1.60M · loan HK$3.73M · min. income ≈ HK$36,150/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$119,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,922
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$19,430
−HK$515/mo
Today · 4.125%
HK$19,945
baseline
▲ 0.50% · 4.625%
HK$20,996
+HK$1,051/mo
Deposit HK$1.60M · loan HK$3.73M · min. income ≈ HK$39,890/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$119,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,869
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$22,549
−HK$691/mo
Today · 4.125%
HK$23,240
baseline
▲ 0.50% · 4.625%
HK$24,654
+HK$1,414/mo
Deposit HK$533K · loan HK$4.80M · min. income ≈ HK$46,480/mo (50% DSR)
Upfront cash ≈ HK$653K (deposit + AVD stamp duty HK$119,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,329
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$24,981
−HK$662/mo
Today · 4.125%
HK$25,643
baseline
▲ 0.50% · 4.625%
HK$26,995
+HK$1,352/mo
Deposit HK$533K · loan HK$4.80M · min. income ≈ HK$51,286/mo (50% DSR)
Upfront cash ≈ HK$653K (deposit + AVD stamp duty HK$119,880 · 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).