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$12,253
−HK$769/mo
▼ 0.25% · 3.875%
HK$12,635
−HK$387/mo
Today · 4.125%
HK$13,022
baseline
▲ 0.50% · 4.625%
HK$13,814
+HK$792/mo
Deposit HK$2.69M · loan HK$2.69M · min. income ≈ HK$26,044/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$120,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,632
−HK$736/mo
▼ 0.25% · 3.875%
HK$13,997
−HK$371/mo
Today · 4.125%
HK$14,368
baseline
▲ 0.50% · 4.625%
HK$15,126
+HK$758/mo
Deposit HK$2.69M · loan HK$2.69M · min. income ≈ HK$28,736/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$120,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,704
−HK$922/mo
▼ 0.25% · 3.875%
HK$15,162
−HK$464/mo
Today · 4.125%
HK$15,626
baseline
▲ 0.50% · 4.625%
HK$16,577
+HK$951/mo
Deposit HK$2.15M · loan HK$3.22M · min. income ≈ HK$31,252/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$120,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,358
−HK$884/mo
▼ 0.25% · 3.875%
HK$16,797
−HK$445/mo
Today · 4.125%
HK$17,242
baseline
▲ 0.50% · 4.625%
HK$18,151
+HK$909/mo
Deposit HK$2.15M · loan HK$3.22M · min. income ≈ HK$34,484/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$120,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,155
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$17,688
−HK$543/mo
Today · 4.125%
HK$18,231
baseline
▲ 0.50% · 4.625%
HK$19,340
+HK$1,109/mo
Deposit HK$1.61M · loan HK$3.76M · min. income ≈ HK$36,462/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,085
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$19,596
−HK$520/mo
Today · 4.125%
HK$20,116
baseline
▲ 0.50% · 4.625%
HK$21,176
+HK$1,060/mo
Deposit HK$1.61M · loan HK$3.76M · min. income ≈ HK$40,232/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,056
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$22,742
−HK$697/mo
Today · 4.125%
HK$23,439
baseline
▲ 0.50% · 4.625%
HK$24,866
+HK$1,427/mo
Deposit HK$537K · loan HK$4.84M · min. income ≈ HK$46,878/mo (50% DSR)
Upfront cash ≈ HK$658K (deposit + AVD stamp duty HK$120,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,537
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$25,195
−HK$668/mo
Today · 4.125%
HK$25,863
baseline
▲ 0.50% · 4.625%
HK$27,226
+HK$1,363/mo
Deposit HK$537K · loan HK$4.84M · min. income ≈ HK$51,726/mo (50% DSR)
Upfront cash ≈ HK$658K (deposit + AVD stamp duty HK$120,909 · 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).