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$12,263
−HK$769/mo
▼ 0.25% · 3.875%
HK$12,644
−HK$388/mo
Today · 4.125%
HK$13,032
baseline
▲ 0.50% · 4.625%
HK$13,825
+HK$793/mo
Deposit HK$2.69M · loan HK$2.69M · min. income ≈ HK$26,064/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$121,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,642
−HK$737/mo
▼ 0.25% · 3.875%
HK$14,008
−HK$371/mo
Today · 4.125%
HK$14,379
baseline
▲ 0.50% · 4.625%
HK$15,137
+HK$758/mo
Deposit HK$2.69M · loan HK$2.69M · min. income ≈ HK$28,758/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$121,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,715
−HK$923/mo
▼ 0.25% · 3.875%
HK$15,173
−HK$465/mo
Today · 4.125%
HK$15,638
baseline
▲ 0.50% · 4.625%
HK$16,589
+HK$951/mo
Deposit HK$2.15M · loan HK$3.23M · min. income ≈ HK$31,276/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$121,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,370
−HK$885/mo
▼ 0.25% · 3.875%
HK$16,810
−HK$445/mo
Today · 4.125%
HK$17,255
baseline
▲ 0.50% · 4.625%
HK$18,164
+HK$909/mo
Deposit HK$2.15M · loan HK$3.23M · min. income ≈ HK$34,510/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$121,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,168
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$17,702
−HK$542/mo
Today · 4.125%
HK$18,244
baseline
▲ 0.50% · 4.625%
HK$19,354
+HK$1,110/mo
Deposit HK$1.61M · loan HK$3.76M · min. income ≈ HK$36,488/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$121,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,099
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$19,611
−HK$520/mo
Today · 4.125%
HK$20,131
baseline
▲ 0.50% · 4.625%
HK$21,192
+HK$1,061/mo
Deposit HK$1.61M · loan HK$3.76M · min. income ≈ HK$40,262/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$121,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,073
−HK$1,384/mo
▼ 0.25% · 3.875%
HK$22,759
−HK$698/mo
Today · 4.125%
HK$23,457
baseline
▲ 0.50% · 4.625%
HK$24,884
+HK$1,427/mo
Deposit HK$538K · loan HK$4.84M · min. income ≈ HK$46,914/mo (50% DSR)
Upfront cash ≈ HK$659K (deposit + AVD stamp duty HK$121,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,556
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$25,214
−HK$668/mo
Today · 4.125%
HK$25,882
baseline
▲ 0.50% · 4.625%
HK$27,247
+HK$1,365/mo
Deposit HK$538K · loan HK$4.84M · min. income ≈ HK$51,764/mo (50% DSR)
Upfront cash ≈ HK$659K (deposit + AVD stamp duty HK$121,000 · 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).