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$12,180
−HK$764/mo
▼ 0.25% · 3.875%
HK$12,559
−HK$385/mo
Today · 4.125%
HK$12,944
baseline
▲ 0.50% · 4.625%
HK$13,731
+HK$787/mo
Deposit HK$2.67M · loan HK$2.67M · min. income ≈ HK$25,888/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$120,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,550
−HK$732/mo
▼ 0.25% · 3.875%
HK$13,913
−HK$369/mo
Today · 4.125%
HK$14,282
baseline
▲ 0.50% · 4.625%
HK$15,035
+HK$753/mo
Deposit HK$2.67M · loan HK$2.67M · min. income ≈ HK$28,564/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$120,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,616
−HK$916/mo
▼ 0.25% · 3.875%
HK$15,070
−HK$462/mo
Today · 4.125%
HK$15,532
baseline
▲ 0.50% · 4.625%
HK$16,477
+HK$945/mo
Deposit HK$2.14M · loan HK$3.20M · min. income ≈ HK$31,064/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,260
−HK$878/mo
▼ 0.25% · 3.875%
HK$16,696
−HK$442/mo
Today · 4.125%
HK$17,138
baseline
▲ 0.50% · 4.625%
HK$18,042
+HK$904/mo
Deposit HK$2.14M · loan HK$3.20M · min. income ≈ HK$34,276/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,052
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$17,582
−HK$539/mo
Today · 4.125%
HK$18,121
baseline
▲ 0.50% · 4.625%
HK$19,224
+HK$1,103/mo
Deposit HK$1.60M · loan HK$3.74M · min. income ≈ HK$36,242/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$120,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,970
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$19,479
−HK$516/mo
Today · 4.125%
HK$19,995
baseline
▲ 0.50% · 4.625%
HK$21,049
+HK$1,054/mo
Deposit HK$1.60M · loan HK$3.74M · min. income ≈ HK$39,990/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$120,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,924
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$22,606
−HK$693/mo
Today · 4.125%
HK$23,299
baseline
▲ 0.50% · 4.625%
HK$24,716
+HK$1,417/mo
Deposit HK$534K · loan HK$4.81M · min. income ≈ HK$46,598/mo (50% DSR)
Upfront cash ≈ HK$654K (deposit + AVD stamp duty HK$120,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,390
−HK$1,318/mo
▼ 0.25% · 3.875%
HK$25,044
−HK$664/mo
Today · 4.125%
HK$25,708
baseline
▲ 0.50% · 4.625%
HK$27,063
+HK$1,355/mo
Deposit HK$534K · loan HK$4.81M · min. income ≈ HK$51,416/mo (50% DSR)
Upfront cash ≈ HK$654K (deposit + AVD stamp duty HK$120,183 · 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).