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$12,242
−HK$768/mo
▼ 0.25% · 3.875%
HK$12,623
−HK$387/mo
Today · 4.125%
HK$13,010
baseline
▲ 0.50% · 4.625%
HK$13,802
+HK$792/mo
Deposit HK$2.68M · loan HK$2.68M · min. income ≈ HK$26,020/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$120,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,620
−HK$735/mo
▼ 0.25% · 3.875%
HK$13,985
−HK$370/mo
Today · 4.125%
HK$14,355
baseline
▲ 0.50% · 4.625%
HK$15,112
+HK$757/mo
Deposit HK$2.68M · loan HK$2.68M · min. income ≈ HK$28,710/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$120,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,691
−HK$921/mo
▼ 0.25% · 3.875%
HK$15,148
−HK$464/mo
Today · 4.125%
HK$15,612
baseline
▲ 0.50% · 4.625%
HK$16,562
+HK$950/mo
Deposit HK$2.15M · loan HK$3.22M · min. income ≈ HK$31,224/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$120,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,344
−HK$883/mo
▼ 0.25% · 3.875%
HK$16,782
−HK$445/mo
Today · 4.125%
HK$17,227
baseline
▲ 0.50% · 4.625%
HK$18,135
+HK$908/mo
Deposit HK$2.15M · loan HK$3.22M · min. income ≈ HK$34,454/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$120,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,139
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$17,673
−HK$541/mo
Today · 4.125%
HK$18,214
baseline
▲ 0.50% · 4.625%
HK$19,323
+HK$1,109/mo
Deposit HK$1.61M · loan HK$3.76M · min. income ≈ HK$36,428/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,067
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$19,579
−HK$519/mo
Today · 4.125%
HK$20,098
baseline
▲ 0.50% · 4.625%
HK$21,157
+HK$1,059/mo
Deposit HK$1.61M · loan HK$3.76M · min. income ≈ HK$40,196/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,036
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$22,722
−HK$696/mo
Today · 4.125%
HK$23,418
baseline
▲ 0.50% · 4.625%
HK$24,843
+HK$1,425/mo
Deposit HK$537K · loan HK$4.83M · min. income ≈ HK$46,836/mo (50% DSR)
Upfront cash ≈ HK$658K (deposit + AVD stamp duty HK$120,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,515
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$25,173
−HK$667/mo
Today · 4.125%
HK$25,840
baseline
▲ 0.50% · 4.625%
HK$27,202
+HK$1,362/mo
Deposit HK$537K · loan HK$4.83M · min. income ≈ HK$51,680/mo (50% DSR)
Upfront cash ≈ HK$658K (deposit + AVD stamp duty HK$120,801 · 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).