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$12,222
−HK$766/mo
▼ 0.25% · 3.875%
HK$12,602
−HK$386/mo
Today · 4.125%
HK$12,988
baseline
▲ 0.50% · 4.625%
HK$13,779
+HK$791/mo
Deposit HK$2.68M · loan HK$2.68M · min. income ≈ HK$25,976/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$120,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,597
−HK$734/mo
▼ 0.25% · 3.875%
HK$13,961
−HK$370/mo
Today · 4.125%
HK$14,331
baseline
▲ 0.50% · 4.625%
HK$15,087
+HK$756/mo
Deposit HK$2.68M · loan HK$2.68M · min. income ≈ HK$28,662/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$120,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,666
−HK$920/mo
▼ 0.25% · 3.875%
HK$15,123
−HK$463/mo
Today · 4.125%
HK$15,586
baseline
▲ 0.50% · 4.625%
HK$16,534
+HK$948/mo
Deposit HK$2.14M · loan HK$3.22M · min. income ≈ HK$31,172/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,316
−HK$882/mo
▼ 0.25% · 3.875%
HK$16,754
−HK$444/mo
Today · 4.125%
HK$17,198
baseline
▲ 0.50% · 4.625%
HK$18,104
+HK$906/mo
Deposit HK$2.14M · loan HK$3.22M · min. income ≈ HK$34,396/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,111
−HK$1,073/mo
▼ 0.25% · 3.875%
HK$17,643
−HK$541/mo
Today · 4.125%
HK$18,184
baseline
▲ 0.50% · 4.625%
HK$19,290
+HK$1,106/mo
Deposit HK$1.61M · loan HK$3.75M · min. income ≈ HK$36,368/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,036
−HK$1,028/mo
▼ 0.25% · 3.875%
HK$19,546
−HK$518/mo
Today · 4.125%
HK$20,064
baseline
▲ 0.50% · 4.625%
HK$21,122
+HK$1,058/mo
Deposit HK$1.61M · loan HK$3.75M · min. income ≈ HK$40,128/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,000
−HK$1,379/mo
▼ 0.25% · 3.875%
HK$22,684
−HK$695/mo
Today · 4.125%
HK$23,379
baseline
▲ 0.50% · 4.625%
HK$24,802
+HK$1,423/mo
Deposit HK$536K · loan HK$4.82M · min. income ≈ HK$46,758/mo (50% DSR)
Upfront cash ≈ HK$657K (deposit + AVD stamp duty HK$120,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,474
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$25,131
−HK$666/mo
Today · 4.125%
HK$25,797
baseline
▲ 0.50% · 4.625%
HK$27,156
+HK$1,359/mo
Deposit HK$536K · loan HK$4.82M · min. income ≈ HK$51,594/mo (50% DSR)
Upfront cash ≈ HK$657K (deposit + AVD stamp duty HK$120,598 · 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).