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$12,239
−HK$767/mo
▼ 0.25% · 3.875%
HK$12,619
−HK$387/mo
Today · 4.125%
HK$13,006
baseline
▲ 0.50% · 4.625%
HK$13,797
+HK$791/mo
Deposit HK$2.68M · loan HK$2.68M · min. income ≈ HK$26,012/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$120,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,615
−HK$736/mo
▼ 0.25% · 3.875%
HK$13,980
−HK$371/mo
Today · 4.125%
HK$14,351
baseline
▲ 0.50% · 4.625%
HK$15,107
+HK$756/mo
Deposit HK$2.68M · loan HK$2.68M · min. income ≈ HK$28,702/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$120,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,686
−HK$921/mo
▼ 0.25% · 3.875%
HK$15,143
−HK$464/mo
Today · 4.125%
HK$15,607
baseline
▲ 0.50% · 4.625%
HK$16,557
+HK$950/mo
Deposit HK$2.15M · loan HK$3.22M · min. income ≈ HK$31,214/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$120,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,338
−HK$883/mo
▼ 0.25% · 3.875%
HK$16,776
−HK$445/mo
Today · 4.125%
HK$17,221
baseline
▲ 0.50% · 4.625%
HK$18,129
+HK$908/mo
Deposit HK$2.15M · loan HK$3.22M · min. income ≈ HK$34,442/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$120,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,134
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$17,667
−HK$541/mo
Today · 4.125%
HK$18,208
baseline
▲ 0.50% · 4.625%
HK$19,316
+HK$1,108/mo
Deposit HK$1.61M · loan HK$3.76M · min. income ≈ HK$36,416/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,061
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$19,573
−HK$518/mo
Today · 4.125%
HK$20,091
baseline
▲ 0.50% · 4.625%
HK$21,150
+HK$1,059/mo
Deposit HK$1.61M · loan HK$3.76M · min. income ≈ HK$40,182/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,029
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$22,715
−HK$696/mo
Today · 4.125%
HK$23,411
baseline
▲ 0.50% · 4.625%
HK$24,835
+HK$1,424/mo
Deposit HK$537K · loan HK$4.83M · min. income ≈ HK$46,822/mo (50% DSR)
Upfront cash ≈ HK$657K (deposit + AVD stamp duty HK$120,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,507
−HK$1,324/mo
▼ 0.25% · 3.875%
HK$25,165
−HK$666/mo
Today · 4.125%
HK$25,831
baseline
▲ 0.50% · 4.625%
HK$27,193
+HK$1,362/mo
Deposit HK$537K · loan HK$4.83M · min. income ≈ HK$51,662/mo (50% DSR)
Upfront cash ≈ HK$657K (deposit + AVD stamp duty HK$120,762 · 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).