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$13,798
+HK$792/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$120,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,616
−HK$735/mo
▼ 0.25% · 3.875%
HK$13,981
−HK$370/mo
Today · 4.125%
HK$14,351
baseline
▲ 0.50% · 4.625%
HK$15,108
+HK$757/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$120,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,687
−HK$921/mo
▼ 0.25% · 3.875%
HK$15,143
−HK$465/mo
Today · 4.125%
HK$15,608
baseline
▲ 0.50% · 4.625%
HK$16,557
+HK$949/mo
Deposit HK$2.15M · loan HK$3.22M · min. income ≈ HK$31,216/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$120,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,339
−HK$882/mo
▼ 0.25% · 3.875%
HK$16,777
−HK$444/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$120,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,134
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$17,667
−HK$542/mo
Today · 4.125%
HK$18,209
baseline
▲ 0.50% · 4.625%
HK$19,317
+HK$1,108/mo
Deposit HK$1.61M · loan HK$3.76M · min. income ≈ HK$36,418/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,062
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$19,573
−HK$519/mo
Today · 4.125%
HK$20,092
baseline
▲ 0.50% · 4.625%
HK$21,151
+HK$1,059/mo
Deposit HK$1.61M · loan HK$3.76M · min. income ≈ HK$40,184/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,030
−HK$1,381/mo
▼ 0.25% · 3.875%
HK$22,715
−HK$696/mo
Today · 4.125%
HK$23,411
baseline
▲ 0.50% · 4.625%
HK$24,836
+HK$1,425/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$120,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,508
−HK$1,324/mo
▼ 0.25% · 3.875%
HK$25,165
−HK$667/mo
Today · 4.125%
HK$25,832
baseline
▲ 0.50% · 4.625%
HK$27,194
+HK$1,362/mo
Deposit HK$537K · loan HK$4.83M · min. income ≈ HK$51,664/mo (50% DSR)
Upfront cash ≈ HK$657K (deposit + AVD stamp duty HK$120,764 · 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).