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$12,220
−HK$766/mo
▼ 0.25% · 3.875%
HK$12,600
−HK$386/mo
Today · 4.125%
HK$12,986
baseline
▲ 0.50% · 4.625%
HK$13,776
+HK$790/mo
Deposit HK$2.68M · loan HK$2.68M · min. income ≈ HK$25,972/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$120,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,594
−HK$735/mo
▼ 0.25% · 3.875%
HK$13,959
−HK$370/mo
Today · 4.125%
HK$14,329
baseline
▲ 0.50% · 4.625%
HK$15,084
+HK$755/mo
Deposit HK$2.68M · loan HK$2.68M · min. income ≈ HK$28,658/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$120,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,664
−HK$919/mo
▼ 0.25% · 3.875%
HK$15,120
−HK$463/mo
Today · 4.125%
HK$15,583
baseline
▲ 0.50% · 4.625%
HK$16,532
+HK$949/mo
Deposit HK$2.14M · loan HK$3.22M · min. income ≈ HK$31,166/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,313
−HK$882/mo
▼ 0.25% · 3.875%
HK$16,751
−HK$444/mo
Today · 4.125%
HK$17,195
baseline
▲ 0.50% · 4.625%
HK$18,101
+HK$906/mo
Deposit HK$2.14M · loan HK$3.22M · min. income ≈ HK$34,390/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,108
−HK$1,073/mo
▼ 0.25% · 3.875%
HK$17,640
−HK$541/mo
Today · 4.125%
HK$18,181
baseline
▲ 0.50% · 4.625%
HK$19,287
+HK$1,106/mo
Deposit HK$1.61M · loan HK$3.75M · min. income ≈ HK$36,362/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,032
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$19,543
−HK$518/mo
Today · 4.125%
HK$20,061
baseline
▲ 0.50% · 4.625%
HK$21,118
+HK$1,057/mo
Deposit HK$1.61M · loan HK$3.75M · min. income ≈ HK$40,122/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,996
−HK$1,379/mo
▼ 0.25% · 3.875%
HK$22,680
−HK$695/mo
Today · 4.125%
HK$23,375
baseline
▲ 0.50% · 4.625%
HK$24,797
+HK$1,422/mo
Deposit HK$536K · loan HK$4.82M · min. income ≈ HK$46,750/mo (50% DSR)
Upfront cash ≈ HK$656K (deposit + AVD stamp duty HK$120,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,470
−HK$1,322/mo
▼ 0.25% · 3.875%
HK$25,126
−HK$666/mo
Today · 4.125%
HK$25,792
baseline
▲ 0.50% · 4.625%
HK$27,152
+HK$1,360/mo
Deposit HK$536K · loan HK$4.82M · min. income ≈ HK$51,584/mo (50% DSR)
Upfront cash ≈ HK$656K (deposit + AVD stamp duty HK$120,578 · 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).