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$12,177
−HK$764/mo
▼ 0.25% · 3.875%
HK$12,556
−HK$385/mo
Today · 4.125%
HK$12,941
baseline
▲ 0.50% · 4.625%
HK$13,728
+HK$787/mo
Deposit HK$2.67M · loan HK$2.67M · min. income ≈ HK$25,882/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$120,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,547
−HK$732/mo
▼ 0.25% · 3.875%
HK$13,910
−HK$369/mo
Today · 4.125%
HK$14,279
baseline
▲ 0.50% · 4.625%
HK$15,031
+HK$752/mo
Deposit HK$2.67M · loan HK$2.67M · min. income ≈ HK$28,558/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$120,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,612
−HK$917/mo
▼ 0.25% · 3.875%
HK$15,067
−HK$462/mo
Today · 4.125%
HK$15,529
baseline
▲ 0.50% · 4.625%
HK$16,474
+HK$945/mo
Deposit HK$2.14M · loan HK$3.20M · min. income ≈ HK$31,058/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,256
−HK$878/mo
▼ 0.25% · 3.875%
HK$16,692
−HK$442/mo
Today · 4.125%
HK$17,134
baseline
▲ 0.50% · 4.625%
HK$18,038
+HK$904/mo
Deposit HK$2.14M · loan HK$3.20M · min. income ≈ HK$34,268/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,048
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$17,578
−HK$539/mo
Today · 4.125%
HK$18,117
baseline
▲ 0.50% · 4.625%
HK$19,219
+HK$1,102/mo
Deposit HK$1.60M · loan HK$3.74M · min. income ≈ HK$36,234/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$120,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,965
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$19,474
−HK$516/mo
Today · 4.125%
HK$19,990
baseline
▲ 0.50% · 4.625%
HK$21,044
+HK$1,054/mo
Deposit HK$1.60M · loan HK$3.74M · min. income ≈ HK$39,980/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$120,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,919
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$22,600
−HK$693/mo
Today · 4.125%
HK$23,293
baseline
▲ 0.50% · 4.625%
HK$24,710
+HK$1,417/mo
Deposit HK$534K · loan HK$4.81M · min. income ≈ HK$46,586/mo (50% DSR)
Upfront cash ≈ HK$654K (deposit + AVD stamp duty HK$120,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,384
−HK$1,318/mo
▼ 0.25% · 3.875%
HK$25,038
−HK$664/mo
Today · 4.125%
HK$25,702
baseline
▲ 0.50% · 4.625%
HK$27,056
+HK$1,354/mo
Deposit HK$534K · loan HK$4.81M · min. income ≈ HK$51,404/mo (50% DSR)
Upfront cash ≈ HK$654K (deposit + AVD stamp duty HK$120,155 · 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).