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$12,227
−HK$767/mo
▼ 0.25% · 3.875%
HK$12,608
−HK$386/mo
Today · 4.125%
HK$12,994
baseline
▲ 0.50% · 4.625%
HK$13,785
+HK$791/mo
Deposit HK$2.68M · loan HK$2.68M · min. income ≈ HK$25,988/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$120,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,603
−HK$735/mo
▼ 0.25% · 3.875%
HK$13,967
−HK$371/mo
Today · 4.125%
HK$14,338
baseline
▲ 0.50% · 4.625%
HK$15,093
+HK$755/mo
Deposit HK$2.68M · loan HK$2.68M · min. income ≈ HK$28,676/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$120,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,673
−HK$920/mo
▼ 0.25% · 3.875%
HK$15,129
−HK$464/mo
Today · 4.125%
HK$15,593
baseline
▲ 0.50% · 4.625%
HK$16,541
+HK$948/mo
Deposit HK$2.14M · loan HK$3.22M · min. income ≈ HK$31,186/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$120,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,323
−HK$882/mo
▼ 0.25% · 3.875%
HK$16,761
−HK$444/mo
Today · 4.125%
HK$17,205
baseline
▲ 0.50% · 4.625%
HK$18,112
+HK$907/mo
Deposit HK$2.14M · loan HK$3.22M · min. income ≈ HK$34,410/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$120,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,118
−HK$1,073/mo
▼ 0.25% · 3.875%
HK$17,651
−HK$540/mo
Today · 4.125%
HK$18,191
baseline
▲ 0.50% · 4.625%
HK$19,298
+HK$1,107/mo
Deposit HK$1.61M · loan HK$3.75M · min. income ≈ HK$36,382/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,044
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$19,554
−HK$519/mo
Today · 4.125%
HK$20,073
baseline
▲ 0.50% · 4.625%
HK$21,131
+HK$1,058/mo
Deposit HK$1.61M · loan HK$3.75M · min. income ≈ HK$40,146/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,009
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$22,694
−HK$695/mo
Today · 4.125%
HK$23,389
baseline
▲ 0.50% · 4.625%
HK$24,812
+HK$1,423/mo
Deposit HK$536K · loan HK$4.83M · min. income ≈ HK$46,778/mo (50% DSR)
Upfront cash ≈ HK$657K (deposit + AVD stamp duty HK$120,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,485
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$25,141
−HK$667/mo
Today · 4.125%
HK$25,808
baseline
▲ 0.50% · 4.625%
HK$27,168
+HK$1,360/mo
Deposit HK$536K · loan HK$4.83M · min. income ≈ HK$51,616/mo (50% DSR)
Upfront cash ≈ HK$657K (deposit + AVD stamp duty HK$120,650 · 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).