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$12,148
−HK$761/mo
▼ 0.25% · 3.875%
HK$12,525
−HK$384/mo
Today · 4.125%
HK$12,909
baseline
▲ 0.50% · 4.625%
HK$13,695
+HK$786/mo
Deposit HK$2.66M · loan HK$2.66M · min. income ≈ HK$25,818/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$119,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,514
−HK$730/mo
▼ 0.25% · 3.875%
HK$13,877
−HK$367/mo
Today · 4.125%
HK$14,244
baseline
▲ 0.50% · 4.625%
HK$14,995
+HK$751/mo
Deposit HK$2.66M · loan HK$2.66M · min. income ≈ HK$28,488/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$119,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,577
−HK$914/mo
▼ 0.25% · 3.875%
HK$15,031
−HK$460/mo
Today · 4.125%
HK$15,491
baseline
▲ 0.50% · 4.625%
HK$16,434
+HK$943/mo
Deposit HK$2.13M · loan HK$3.20M · min. income ≈ HK$30,982/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$119,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,217
−HK$876/mo
▼ 0.25% · 3.875%
HK$16,652
−HK$441/mo
Today · 4.125%
HK$17,093
baseline
▲ 0.50% · 4.625%
HK$17,994
+HK$901/mo
Deposit HK$2.13M · loan HK$3.20M · min. income ≈ HK$34,186/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$119,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,007
−HK$1,066/mo
▼ 0.25% · 3.875%
HK$17,536
−HK$537/mo
Today · 4.125%
HK$18,073
baseline
▲ 0.50% · 4.625%
HK$19,173
+HK$1,100/mo
Deposit HK$1.60M · loan HK$3.73M · min. income ≈ HK$36,146/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$119,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,920
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$19,427
−HK$515/mo
Today · 4.125%
HK$19,942
baseline
▲ 0.50% · 4.625%
HK$20,993
+HK$1,051/mo
Deposit HK$1.60M · loan HK$3.73M · min. income ≈ HK$39,884/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$119,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,866
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$22,546
−HK$691/mo
Today · 4.125%
HK$23,237
baseline
▲ 0.50% · 4.625%
HK$24,651
+HK$1,414/mo
Deposit HK$533K · loan HK$4.79M · min. income ≈ HK$46,474/mo (50% DSR)
Upfront cash ≈ HK$653K (deposit + AVD stamp duty HK$119,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,325
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$24,978
−HK$662/mo
Today · 4.125%
HK$25,640
baseline
▲ 0.50% · 4.625%
HK$26,991
+HK$1,351/mo
Deposit HK$533K · loan HK$4.79M · min. income ≈ HK$51,280/mo (50% DSR)
Upfront cash ≈ HK$653K (deposit + AVD stamp duty HK$119,865 · 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).