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$12,172
−HK$763/mo
▼ 0.25% · 3.875%
HK$12,550
−HK$385/mo
Today · 4.125%
HK$12,935
baseline
▲ 0.50% · 4.625%
HK$13,722
+HK$787/mo
Deposit HK$2.67M · loan HK$2.67M · min. income ≈ HK$25,870/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$120,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,541
−HK$731/mo
▼ 0.25% · 3.875%
HK$13,904
−HK$368/mo
Today · 4.125%
HK$14,272
baseline
▲ 0.50% · 4.625%
HK$15,025
+HK$753/mo
Deposit HK$2.67M · loan HK$2.67M · min. income ≈ HK$28,544/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$120,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,606
−HK$916/mo
▼ 0.25% · 3.875%
HK$15,060
−HK$462/mo
Today · 4.125%
HK$15,522
baseline
▲ 0.50% · 4.625%
HK$16,466
+HK$944/mo
Deposit HK$2.14M · loan HK$3.20M · min. income ≈ HK$31,044/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,249
−HK$878/mo
▼ 0.25% · 3.875%
HK$16,685
−HK$442/mo
Today · 4.125%
HK$17,127
baseline
▲ 0.50% · 4.625%
HK$18,030
+HK$903/mo
Deposit HK$2.14M · loan HK$3.20M · min. income ≈ HK$34,254/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,040
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$17,570
−HK$539/mo
Today · 4.125%
HK$18,109
baseline
▲ 0.50% · 4.625%
HK$19,211
+HK$1,102/mo
Deposit HK$1.60M · loan HK$3.74M · min. income ≈ HK$36,218/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$120,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,957
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$19,466
−HK$515/mo
Today · 4.125%
HK$19,981
baseline
▲ 0.50% · 4.625%
HK$21,035
+HK$1,054/mo
Deposit HK$1.60M · loan HK$3.74M · min. income ≈ HK$39,962/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$120,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,909
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$22,591
−HK$692/mo
Today · 4.125%
HK$23,283
baseline
▲ 0.50% · 4.625%
HK$24,700
+HK$1,417/mo
Deposit HK$534K · loan HK$4.80M · min. income ≈ HK$46,566/mo (50% DSR)
Upfront cash ≈ HK$654K (deposit + AVD stamp duty HK$120,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,374
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$25,027
−HK$663/mo
Today · 4.125%
HK$25,690
baseline
▲ 0.50% · 4.625%
HK$27,045
+HK$1,355/mo
Deposit HK$534K · loan HK$4.80M · min. income ≈ HK$51,380/mo (50% DSR)
Upfront cash ≈ HK$654K (deposit + AVD stamp duty HK$120,102 · 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).