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$12,202
−HK$765/mo
▼ 0.25% · 3.875%
HK$12,582
−HK$385/mo
Today · 4.125%
HK$12,967
baseline
▲ 0.50% · 4.625%
HK$13,756
+HK$789/mo
Deposit HK$2.68M · loan HK$2.68M · min. income ≈ HK$25,934/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$120,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,575
−HK$733/mo
▼ 0.25% · 3.875%
HK$13,939
−HK$369/mo
Today · 4.125%
HK$14,308
baseline
▲ 0.50% · 4.625%
HK$15,062
+HK$754/mo
Deposit HK$2.68M · loan HK$2.68M · min. income ≈ HK$28,616/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$120,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,642
−HK$919/mo
▼ 0.25% · 3.875%
HK$15,098
−HK$463/mo
Today · 4.125%
HK$15,561
baseline
▲ 0.50% · 4.625%
HK$16,507
+HK$946/mo
Deposit HK$2.14M · loan HK$3.21M · min. income ≈ HK$31,122/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,290
−HK$880/mo
▼ 0.25% · 3.875%
HK$16,726
−HK$444/mo
Today · 4.125%
HK$17,170
baseline
▲ 0.50% · 4.625%
HK$18,075
+HK$905/mo
Deposit HK$2.14M · loan HK$3.21M · min. income ≈ HK$34,340/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,083
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$17,614
−HK$540/mo
Today · 4.125%
HK$18,154
baseline
▲ 0.50% · 4.625%
HK$19,259
+HK$1,105/mo
Deposit HK$1.61M · loan HK$3.75M · min. income ≈ HK$36,308/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,004
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$19,514
−HK$517/mo
Today · 4.125%
HK$20,031
baseline
▲ 0.50% · 4.625%
HK$21,087
+HK$1,056/mo
Deposit HK$1.61M · loan HK$3.75M · min. income ≈ HK$40,062/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,964
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$22,647
−HK$694/mo
Today · 4.125%
HK$23,341
baseline
▲ 0.50% · 4.625%
HK$24,761
+HK$1,420/mo
Deposit HK$535K · loan HK$4.82M · min. income ≈ HK$46,682/mo (50% DSR)
Upfront cash ≈ HK$656K (deposit + AVD stamp duty HK$120,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,434
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$25,090
−HK$664/mo
Today · 4.125%
HK$25,754
baseline
▲ 0.50% · 4.625%
HK$27,112
+HK$1,358/mo
Deposit HK$535K · loan HK$4.82M · min. income ≈ HK$51,508/mo (50% DSR)
Upfront cash ≈ HK$656K (deposit + AVD stamp duty HK$120,401 · 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).