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$12,226
−HK$767/mo
▼ 0.25% · 3.875%
HK$12,606
−HK$387/mo
Today · 4.125%
HK$12,993
baseline
▲ 0.50% · 4.625%
HK$13,783
+HK$790/mo
Deposit HK$2.68M · loan HK$2.68M · min. income ≈ HK$25,986/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$120,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,601
−HK$735/mo
▼ 0.25% · 3.875%
HK$13,966
−HK$370/mo
Today · 4.125%
HK$14,336
baseline
▲ 0.50% · 4.625%
HK$15,092
+HK$756/mo
Deposit HK$2.68M · loan HK$2.68M · min. income ≈ HK$28,672/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$120,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,671
−HK$920/mo
▼ 0.25% · 3.875%
HK$15,127
−HK$464/mo
Today · 4.125%
HK$15,591
baseline
▲ 0.50% · 4.625%
HK$16,540
+HK$949/mo
Deposit HK$2.14M · loan HK$3.22M · min. income ≈ HK$31,182/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$120,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,321
−HK$882/mo
▼ 0.25% · 3.875%
HK$16,759
−HK$444/mo
Today · 4.125%
HK$17,203
baseline
▲ 0.50% · 4.625%
HK$18,110
+HK$907/mo
Deposit HK$2.14M · loan HK$3.22M · min. income ≈ HK$34,406/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$120,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,116
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$17,649
−HK$541/mo
Today · 4.125%
HK$18,190
baseline
▲ 0.50% · 4.625%
HK$19,296
+HK$1,106/mo
Deposit HK$1.61M · loan HK$3.75M · min. income ≈ HK$36,380/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,042
−HK$1,028/mo
▼ 0.25% · 3.875%
HK$19,552
−HK$518/mo
Today · 4.125%
HK$20,070
baseline
▲ 0.50% · 4.625%
HK$21,128
+HK$1,058/mo
Deposit HK$1.61M · loan HK$3.75M · min. income ≈ HK$40,140/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,007
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$22,691
−HK$696/mo
Today · 4.125%
HK$23,387
baseline
▲ 0.50% · 4.625%
HK$24,810
+HK$1,423/mo
Deposit HK$536K · loan HK$4.83M · min. income ≈ HK$46,774/mo (50% DSR)
Upfront cash ≈ HK$657K (deposit + AVD stamp duty HK$120,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,482
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$25,139
−HK$666/mo
Today · 4.125%
HK$25,805
baseline
▲ 0.50% · 4.625%
HK$27,165
+HK$1,360/mo
Deposit HK$536K · loan HK$4.83M · min. income ≈ HK$51,610/mo (50% DSR)
Upfront cash ≈ HK$657K (deposit + AVD stamp duty HK$120,637 · 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).