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$12,248
−HK$768/mo
▼ 0.25% · 3.875%
HK$12,629
−HK$387/mo
Today · 4.125%
HK$13,016
baseline
▲ 0.50% · 4.625%
HK$13,808
+HK$792/mo
Deposit HK$2.69M · loan HK$2.69M · min. income ≈ HK$26,032/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$120,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,626
−HK$736/mo
▼ 0.25% · 3.875%
HK$13,991
−HK$371/mo
Today · 4.125%
HK$14,362
baseline
▲ 0.50% · 4.625%
HK$15,119
+HK$757/mo
Deposit HK$2.69M · loan HK$2.69M · min. income ≈ HK$28,724/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$120,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,697
−HK$922/mo
▼ 0.25% · 3.875%
HK$15,155
−HK$464/mo
Today · 4.125%
HK$15,619
baseline
▲ 0.50% · 4.625%
HK$16,569
+HK$950/mo
Deposit HK$2.15M · loan HK$3.22M · min. income ≈ HK$31,238/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$120,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,351
−HK$883/mo
▼ 0.25% · 3.875%
HK$16,789
−HK$445/mo
Today · 4.125%
HK$17,234
baseline
▲ 0.50% · 4.625%
HK$18,142
+HK$908/mo
Deposit HK$2.15M · loan HK$3.22M · min. income ≈ HK$34,468/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$120,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,147
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$17,680
−HK$542/mo
Today · 4.125%
HK$18,222
baseline
▲ 0.50% · 4.625%
HK$19,331
+HK$1,109/mo
Deposit HK$1.61M · loan HK$3.76M · min. income ≈ HK$36,444/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,076
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$19,587
−HK$519/mo
Today · 4.125%
HK$20,106
baseline
▲ 0.50% · 4.625%
HK$21,166
+HK$1,060/mo
Deposit HK$1.61M · loan HK$3.76M · min. income ≈ HK$40,212/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,046
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$22,732
−HK$697/mo
Today · 4.125%
HK$23,429
baseline
▲ 0.50% · 4.625%
HK$24,854
+HK$1,425/mo
Deposit HK$537K · loan HK$4.83M · min. income ≈ HK$46,858/mo (50% DSR)
Upfront cash ≈ HK$658K (deposit + AVD stamp duty HK$120,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,526
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$25,184
−HK$667/mo
Today · 4.125%
HK$25,851
baseline
▲ 0.50% · 4.625%
HK$27,214
+HK$1,363/mo
Deposit HK$537K · loan HK$4.83M · min. income ≈ HK$51,702/mo (50% DSR)
Upfront cash ≈ HK$658K (deposit + AVD stamp duty HK$120,853 · 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).