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$12,204
−HK$765/mo
▼ 0.25% · 3.875%
HK$12,584
−HK$385/mo
Today · 4.125%
HK$12,969
baseline
▲ 0.50% · 4.625%
HK$13,759
+HK$790/mo
Deposit HK$2.68M · loan HK$2.68M · min. income ≈ HK$25,938/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$120,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,577
−HK$734/mo
▼ 0.25% · 3.875%
HK$13,941
−HK$370/mo
Today · 4.125%
HK$14,311
baseline
▲ 0.50% · 4.625%
HK$15,065
+HK$754/mo
Deposit HK$2.68M · loan HK$2.68M · min. income ≈ HK$28,622/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$120,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,645
−HK$918/mo
▼ 0.25% · 3.875%
HK$15,101
−HK$462/mo
Today · 4.125%
HK$15,563
baseline
▲ 0.50% · 4.625%
HK$16,510
+HK$947/mo
Deposit HK$2.14M · loan HK$3.21M · min. income ≈ HK$31,126/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,292
−HK$881/mo
▼ 0.25% · 3.875%
HK$16,729
−HK$444/mo
Today · 4.125%
HK$17,173
baseline
▲ 0.50% · 4.625%
HK$18,078
+HK$905/mo
Deposit HK$2.14M · loan HK$3.21M · min. income ≈ HK$34,346/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,086
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$17,617
−HK$540/mo
Today · 4.125%
HK$18,157
baseline
▲ 0.50% · 4.625%
HK$19,262
+HK$1,105/mo
Deposit HK$1.61M · loan HK$3.75M · min. income ≈ HK$36,314/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,008
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$19,518
−HK$517/mo
Today · 4.125%
HK$20,035
baseline
▲ 0.50% · 4.625%
HK$21,091
+HK$1,056/mo
Deposit HK$1.61M · loan HK$3.75M · min. income ≈ HK$40,070/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,967
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$22,651
−HK$694/mo
Today · 4.125%
HK$23,345
baseline
▲ 0.50% · 4.625%
HK$24,766
+HK$1,421/mo
Deposit HK$535K · loan HK$4.82M · min. income ≈ HK$46,690/mo (50% DSR)
Upfront cash ≈ HK$656K (deposit + AVD stamp duty HK$120,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,439
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$25,094
−HK$665/mo
Today · 4.125%
HK$25,759
baseline
▲ 0.50% · 4.625%
HK$27,117
+HK$1,358/mo
Deposit HK$535K · loan HK$4.82M · min. income ≈ HK$51,518/mo (50% DSR)
Upfront cash ≈ HK$656K (deposit + AVD stamp duty HK$120,423 · 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).