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$12,219
−HK$766/mo
▼ 0.25% · 3.875%
HK$12,599
−HK$386/mo
Today · 4.125%
HK$12,985
baseline
▲ 0.50% · 4.625%
HK$13,776
+HK$791/mo
Deposit HK$2.68M · loan HK$2.68M · min. income ≈ HK$25,970/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$120,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,594
−HK$734/mo
▼ 0.25% · 3.875%
HK$13,958
−HK$370/mo
Today · 4.125%
HK$14,328
baseline
▲ 0.50% · 4.625%
HK$15,083
+HK$755/mo
Deposit HK$2.68M · loan HK$2.68M · min. income ≈ HK$28,656/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$120,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,663
−HK$920/mo
▼ 0.25% · 3.875%
HK$15,119
−HK$464/mo
Today · 4.125%
HK$15,583
baseline
▲ 0.50% · 4.625%
HK$16,531
+HK$948/mo
Deposit HK$2.14M · loan HK$3.22M · min. income ≈ HK$31,166/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,313
−HK$881/mo
▼ 0.25% · 3.875%
HK$16,750
−HK$444/mo
Today · 4.125%
HK$17,194
baseline
▲ 0.50% · 4.625%
HK$18,100
+HK$906/mo
Deposit HK$2.14M · loan HK$3.22M · min. income ≈ HK$34,388/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,107
−HK$1,073/mo
▼ 0.25% · 3.875%
HK$17,639
−HK$541/mo
Today · 4.125%
HK$18,180
baseline
▲ 0.50% · 4.625%
HK$19,286
+HK$1,106/mo
Deposit HK$1.61M · loan HK$3.75M · min. income ≈ HK$36,360/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,031
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$19,542
−HK$518/mo
Today · 4.125%
HK$20,060
baseline
▲ 0.50% · 4.625%
HK$21,117
+HK$1,057/mo
Deposit HK$1.61M · loan HK$3.75M · min. income ≈ HK$40,120/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,995
−HK$1,379/mo
▼ 0.25% · 3.875%
HK$22,679
−HK$695/mo
Today · 4.125%
HK$23,374
baseline
▲ 0.50% · 4.625%
HK$24,796
+HK$1,422/mo
Deposit HK$536K · loan HK$4.82M · min. income ≈ HK$46,748/mo (50% DSR)
Upfront cash ≈ HK$656K (deposit + AVD stamp duty HK$120,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,469
−HK$1,322/mo
▼ 0.25% · 3.875%
HK$25,125
−HK$666/mo
Today · 4.125%
HK$25,791
baseline
▲ 0.50% · 4.625%
HK$27,150
+HK$1,359/mo
Deposit HK$536K · loan HK$4.82M · min. income ≈ HK$51,582/mo (50% DSR)
Upfront cash ≈ HK$656K (deposit + AVD stamp duty HK$120,572 · 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).