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$12,258
−HK$768/mo
▼ 0.25% · 3.875%
HK$12,639
−HK$387/mo
Today · 4.125%
HK$13,026
baseline
▲ 0.50% · 4.625%
HK$13,819
+HK$793/mo
Deposit HK$2.69M · loan HK$2.69M · min. income ≈ HK$26,052/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$120,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,637
−HK$736/mo
▼ 0.25% · 3.875%
HK$14,002
−HK$371/mo
Today · 4.125%
HK$14,373
baseline
▲ 0.50% · 4.625%
HK$15,131
+HK$758/mo
Deposit HK$2.69M · loan HK$2.69M · min. income ≈ HK$28,746/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$120,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,709
−HK$923/mo
▼ 0.25% · 3.875%
HK$15,167
−HK$465/mo
Today · 4.125%
HK$15,632
baseline
▲ 0.50% · 4.625%
HK$16,583
+HK$951/mo
Deposit HK$2.15M · loan HK$3.23M · min. income ≈ HK$31,264/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$120,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,364
−HK$884/mo
▼ 0.25% · 3.875%
HK$16,803
−HK$445/mo
Today · 4.125%
HK$17,248
baseline
▲ 0.50% · 4.625%
HK$18,157
+HK$909/mo
Deposit HK$2.15M · loan HK$3.23M · min. income ≈ HK$34,496/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$120,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,161
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$17,694
−HK$543/mo
Today · 4.125%
HK$18,237
baseline
▲ 0.50% · 4.625%
HK$19,346
+HK$1,109/mo
Deposit HK$1.61M · loan HK$3.76M · min. income ≈ HK$36,474/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,091
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$19,603
−HK$520/mo
Today · 4.125%
HK$20,123
baseline
▲ 0.50% · 4.625%
HK$21,183
+HK$1,060/mo
Deposit HK$1.61M · loan HK$3.76M · min. income ≈ HK$40,246/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,064
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$22,750
−HK$697/mo
Today · 4.125%
HK$23,447
baseline
▲ 0.50% · 4.625%
HK$24,874
+HK$1,427/mo
Deposit HK$538K · loan HK$4.84M · min. income ≈ HK$46,894/mo (50% DSR)
Upfront cash ≈ HK$659K (deposit + AVD stamp duty HK$120,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,546
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$25,204
−HK$668/mo
Today · 4.125%
HK$25,872
baseline
▲ 0.50% · 4.625%
HK$27,236
+HK$1,364/mo
Deposit HK$538K · loan HK$4.84M · min. income ≈ HK$51,744/mo (50% DSR)
Upfront cash ≈ HK$659K (deposit + AVD stamp duty HK$120,950 · 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).