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$12,150
−HK$762/mo
▼ 0.25% · 3.875%
HK$12,528
−HK$384/mo
Today · 4.125%
HK$12,912
baseline
▲ 0.50% · 4.625%
HK$13,698
+HK$786/mo
Deposit HK$2.66M · loan HK$2.66M · min. income ≈ HK$25,824/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$119,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,517
−HK$731/mo
▼ 0.25% · 3.875%
HK$13,880
−HK$368/mo
Today · 4.125%
HK$14,248
baseline
▲ 0.50% · 4.625%
HK$14,999
+HK$751/mo
Deposit HK$2.66M · loan HK$2.66M · min. income ≈ HK$28,496/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$119,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,581
−HK$914/mo
▼ 0.25% · 3.875%
HK$15,034
−HK$461/mo
Today · 4.125%
HK$15,495
baseline
▲ 0.50% · 4.625%
HK$16,438
+HK$943/mo
Deposit HK$2.13M · loan HK$3.20M · min. income ≈ HK$30,990/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$119,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,221
−HK$876/mo
▼ 0.25% · 3.875%
HK$16,656
−HK$441/mo
Today · 4.125%
HK$17,097
baseline
▲ 0.50% · 4.625%
HK$17,998
+HK$901/mo
Deposit HK$2.13M · loan HK$3.20M · min. income ≈ HK$34,194/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$119,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,011
−HK$1,066/mo
▼ 0.25% · 3.875%
HK$17,540
−HK$537/mo
Today · 4.125%
HK$18,077
baseline
▲ 0.50% · 4.625%
HK$19,177
+HK$1,100/mo
Deposit HK$1.60M · loan HK$3.73M · min. income ≈ HK$36,154/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$119,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,924
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$19,432
−HK$515/mo
Today · 4.125%
HK$19,947
baseline
▲ 0.50% · 4.625%
HK$20,998
+HK$1,051/mo
Deposit HK$1.60M · loan HK$3.73M · min. income ≈ HK$39,894/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$119,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,871
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$22,551
−HK$691/mo
Today · 4.125%
HK$23,242
baseline
▲ 0.50% · 4.625%
HK$24,657
+HK$1,415/mo
Deposit HK$533K · loan HK$4.80M · min. income ≈ HK$46,484/mo (50% DSR)
Upfront cash ≈ HK$653K (deposit + AVD stamp duty HK$119,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,331
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$24,984
−HK$662/mo
Today · 4.125%
HK$25,646
baseline
▲ 0.50% · 4.625%
HK$26,997
+HK$1,351/mo
Deposit HK$533K · loan HK$4.80M · min. income ≈ HK$51,292/mo (50% DSR)
Upfront cash ≈ HK$653K (deposit + AVD stamp duty HK$119,893 · 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).