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$12,139
−HK$761/mo
▼ 0.25% · 3.875%
HK$12,517
−HK$383/mo
Today · 4.125%
HK$12,900
baseline
▲ 0.50% · 4.625%
HK$13,685
+HK$785/mo
Deposit HK$2.66M · loan HK$2.66M · min. income ≈ HK$25,800/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$119,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,505
−HK$729/mo
▼ 0.25% · 3.875%
HK$13,867
−HK$367/mo
Today · 4.125%
HK$14,234
baseline
▲ 0.50% · 4.625%
HK$14,985
+HK$751/mo
Deposit HK$2.66M · loan HK$2.66M · min. income ≈ HK$28,468/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$119,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,567
−HK$913/mo
▼ 0.25% · 3.875%
HK$15,020
−HK$460/mo
Today · 4.125%
HK$15,480
baseline
▲ 0.50% · 4.625%
HK$16,422
+HK$942/mo
Deposit HK$2.13M · loan HK$3.19M · min. income ≈ HK$30,960/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$119,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,206
−HK$875/mo
▼ 0.25% · 3.875%
HK$16,640
−HK$441/mo
Today · 4.125%
HK$17,081
baseline
▲ 0.50% · 4.625%
HK$17,981
+HK$900/mo
Deposit HK$2.13M · loan HK$3.19M · min. income ≈ HK$34,162/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$119,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,995
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$17,523
−HK$537/mo
Today · 4.125%
HK$18,060
baseline
▲ 0.50% · 4.625%
HK$19,159
+HK$1,099/mo
Deposit HK$1.60M · loan HK$3.73M · min. income ≈ HK$36,120/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$119,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,906
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$19,413
−HK$515/mo
Today · 4.125%
HK$19,928
baseline
▲ 0.50% · 4.625%
HK$20,978
+HK$1,050/mo
Deposit HK$1.60M · loan HK$3.73M · min. income ≈ HK$39,856/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$119,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,850
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$22,530
−HK$691/mo
Today · 4.125%
HK$23,221
baseline
▲ 0.50% · 4.625%
HK$24,633
+HK$1,412/mo
Deposit HK$532K · loan HK$4.79M · min. income ≈ HK$46,442/mo (50% DSR)
Upfront cash ≈ HK$652K (deposit + AVD stamp duty HK$119,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,308
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$24,960
−HK$662/mo
Today · 4.125%
HK$25,622
baseline
▲ 0.50% · 4.625%
HK$26,972
+HK$1,350/mo
Deposit HK$532K · loan HK$4.79M · min. income ≈ HK$51,244/mo (50% DSR)
Upfront cash ≈ HK$652K (deposit + AVD stamp duty HK$119,780 · 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).