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$12,235
−HK$768/mo
▼ 0.25% · 3.875%
HK$12,616
−HK$387/mo
Today · 4.125%
HK$13,003
baseline
▲ 0.50% · 4.625%
HK$13,794
+HK$791/mo
Deposit HK$2.68M · loan HK$2.68M · min. income ≈ HK$26,006/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$120,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,612
−HK$735/mo
▼ 0.25% · 3.875%
HK$13,977
−HK$370/mo
Today · 4.125%
HK$14,347
baseline
▲ 0.50% · 4.625%
HK$15,103
+HK$756/mo
Deposit HK$2.68M · loan HK$2.68M · min. income ≈ HK$28,694/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$120,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,683
−HK$920/mo
▼ 0.25% · 3.875%
HK$15,139
−HK$464/mo
Today · 4.125%
HK$15,603
baseline
▲ 0.50% · 4.625%
HK$16,553
+HK$950/mo
Deposit HK$2.15M · loan HK$3.22M · min. income ≈ HK$31,206/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$120,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,334
−HK$883/mo
▼ 0.25% · 3.875%
HK$16,772
−HK$445/mo
Today · 4.125%
HK$17,217
baseline
▲ 0.50% · 4.625%
HK$18,124
+HK$907/mo
Deposit HK$2.15M · loan HK$3.22M · min. income ≈ HK$34,434/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$120,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,130
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$17,662
−HK$542/mo
Today · 4.125%
HK$18,204
baseline
▲ 0.50% · 4.625%
HK$19,311
+HK$1,107/mo
Deposit HK$1.61M · loan HK$3.76M · min. income ≈ HK$36,408/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,057
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$19,568
−HK$518/mo
Today · 4.125%
HK$20,086
baseline
▲ 0.50% · 4.625%
HK$21,145
+HK$1,059/mo
Deposit HK$1.61M · loan HK$3.76M · min. income ≈ HK$40,172/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,024
−HK$1,381/mo
▼ 0.25% · 3.875%
HK$22,709
−HK$696/mo
Today · 4.125%
HK$23,405
baseline
▲ 0.50% · 4.625%
HK$24,829
+HK$1,424/mo
Deposit HK$537K · loan HK$4.83M · min. income ≈ HK$46,810/mo (50% DSR)
Upfront cash ≈ HK$657K (deposit + AVD stamp duty HK$120,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,501
−HK$1,324/mo
▼ 0.25% · 3.875%
HK$25,158
−HK$667/mo
Today · 4.125%
HK$25,825
baseline
▲ 0.50% · 4.625%
HK$27,186
+HK$1,361/mo
Deposit HK$537K · loan HK$4.83M · min. income ≈ HK$51,650/mo (50% DSR)
Upfront cash ≈ HK$657K (deposit + AVD stamp duty HK$120,731 · 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).