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$12,210
−HK$766/mo
▼ 0.25% · 3.875%
HK$12,590
−HK$386/mo
Today · 4.125%
HK$12,976
baseline
▲ 0.50% · 4.625%
HK$13,765
+HK$789/mo
Deposit HK$2.68M · loan HK$2.68M · min. income ≈ HK$25,952/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$120,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,584
−HK$734/mo
▼ 0.25% · 3.875%
HK$13,948
−HK$370/mo
Today · 4.125%
HK$14,318
baseline
▲ 0.50% · 4.625%
HK$15,072
+HK$754/mo
Deposit HK$2.68M · loan HK$2.68M · min. income ≈ HK$28,636/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$120,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,652
−HK$919/mo
▼ 0.25% · 3.875%
HK$15,108
−HK$463/mo
Today · 4.125%
HK$15,571
baseline
▲ 0.50% · 4.625%
HK$16,519
+HK$948/mo
Deposit HK$2.14M · loan HK$3.21M · min. income ≈ HK$31,142/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,301
−HK$880/mo
▼ 0.25% · 3.875%
HK$16,738
−HK$443/mo
Today · 4.125%
HK$17,181
baseline
▲ 0.50% · 4.625%
HK$18,087
+HK$906/mo
Deposit HK$2.14M · loan HK$3.21M · min. income ≈ HK$34,362/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,094
−HK$1,072/mo
▼ 0.25% · 3.875%
HK$17,626
−HK$540/mo
Today · 4.125%
HK$18,166
baseline
▲ 0.50% · 4.625%
HK$19,272
+HK$1,106/mo
Deposit HK$1.61M · loan HK$3.75M · min. income ≈ HK$36,332/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,017
−HK$1,028/mo
▼ 0.25% · 3.875%
HK$19,527
−HK$518/mo
Today · 4.125%
HK$20,045
baseline
▲ 0.50% · 4.625%
HK$21,101
+HK$1,056/mo
Deposit HK$1.61M · loan HK$3.75M · min. income ≈ HK$40,090/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,978
−HK$1,379/mo
▼ 0.25% · 3.875%
HK$22,662
−HK$695/mo
Today · 4.125%
HK$23,357
baseline
▲ 0.50% · 4.625%
HK$24,778
+HK$1,421/mo
Deposit HK$535K · loan HK$4.82M · min. income ≈ HK$46,714/mo (50% DSR)
Upfront cash ≈ HK$656K (deposit + AVD stamp duty HK$120,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,451
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$25,107
−HK$665/mo
Today · 4.125%
HK$25,772
baseline
▲ 0.50% · 4.625%
HK$27,130
+HK$1,358/mo
Deposit HK$535K · loan HK$4.82M · min. income ≈ HK$51,544/mo (50% DSR)
Upfront cash ≈ HK$656K (deposit + AVD stamp duty HK$120,483 · 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).