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$12,225
−HK$767/mo
▼ 0.25% · 3.875%
HK$12,605
−HK$387/mo
Today · 4.125%
HK$12,992
baseline
▲ 0.50% · 4.625%
HK$13,782
+HK$790/mo
Deposit HK$2.68M · loan HK$2.68M · min. income ≈ HK$25,984/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$120,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,600
−HK$735/mo
▼ 0.25% · 3.875%
HK$13,965
−HK$370/mo
Today · 4.125%
HK$14,335
baseline
▲ 0.50% · 4.625%
HK$15,091
+HK$756/mo
Deposit HK$2.68M · loan HK$2.68M · min. income ≈ HK$28,670/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$120,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,670
−HK$920/mo
▼ 0.25% · 3.875%
HK$15,127
−HK$463/mo
Today · 4.125%
HK$15,590
baseline
▲ 0.50% · 4.625%
HK$16,539
+HK$949/mo
Deposit HK$2.14M · loan HK$3.22M · min. income ≈ HK$31,180/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$120,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,320
−HK$882/mo
▼ 0.25% · 3.875%
HK$16,758
−HK$444/mo
Today · 4.125%
HK$17,202
baseline
▲ 0.50% · 4.625%
HK$18,109
+HK$907/mo
Deposit HK$2.14M · loan HK$3.22M · min. income ≈ HK$34,404/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$120,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,115
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$17,648
−HK$541/mo
Today · 4.125%
HK$18,189
baseline
▲ 0.50% · 4.625%
HK$19,295
+HK$1,106/mo
Deposit HK$1.61M · loan HK$3.75M · min. income ≈ HK$36,378/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,041
−HK$1,028/mo
▼ 0.25% · 3.875%
HK$19,551
−HK$518/mo
Today · 4.125%
HK$20,069
baseline
▲ 0.50% · 4.625%
HK$21,127
+HK$1,058/mo
Deposit HK$1.61M · loan HK$3.75M · min. income ≈ HK$40,138/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,005
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$22,690
−HK$695/mo
Today · 4.125%
HK$23,385
baseline
▲ 0.50% · 4.625%
HK$24,808
+HK$1,423/mo
Deposit HK$536K · loan HK$4.83M · min. income ≈ HK$46,770/mo (50% DSR)
Upfront cash ≈ HK$657K (deposit + AVD stamp duty HK$120,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,481
−HK$1,322/mo
▼ 0.25% · 3.875%
HK$25,137
−HK$666/mo
Today · 4.125%
HK$25,803
baseline
▲ 0.50% · 4.625%
HK$27,163
+HK$1,360/mo
Deposit HK$536K · loan HK$4.83M · min. income ≈ HK$51,606/mo (50% DSR)
Upfront cash ≈ HK$657K (deposit + AVD stamp duty HK$120,630 · 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).