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$12,272
−HK$770/mo
▼ 0.25% · 3.875%
HK$12,654
−HK$388/mo
Today · 4.125%
HK$13,042
baseline
▲ 0.50% · 4.625%
HK$13,835
+HK$793/mo
Deposit HK$2.69M · loan HK$2.69M · min. income ≈ HK$26,084/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$121,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,653
−HK$737/mo
▼ 0.25% · 3.875%
HK$14,019
−HK$371/mo
Today · 4.125%
HK$14,390
baseline
▲ 0.50% · 4.625%
HK$15,149
+HK$759/mo
Deposit HK$2.69M · loan HK$2.69M · min. income ≈ HK$28,780/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$121,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,727
−HK$923/mo
▼ 0.25% · 3.875%
HK$15,185
−HK$465/mo
Today · 4.125%
HK$15,650
baseline
▲ 0.50% · 4.625%
HK$16,603
+HK$953/mo
Deposit HK$2.15M · loan HK$3.23M · min. income ≈ HK$31,300/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$121,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,383
−HK$886/mo
▼ 0.25% · 3.875%
HK$16,823
−HK$446/mo
Today · 4.125%
HK$17,269
baseline
▲ 0.50% · 4.625%
HK$18,179
+HK$910/mo
Deposit HK$2.15M · loan HK$3.23M · min. income ≈ HK$34,538/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$121,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,181
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$17,716
−HK$543/mo
Today · 4.125%
HK$18,259
baseline
▲ 0.50% · 4.625%
HK$19,370
+HK$1,111/mo
Deposit HK$1.61M · loan HK$3.77M · min. income ≈ HK$36,518/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,114
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$19,627
−HK$520/mo
Today · 4.125%
HK$20,147
baseline
▲ 0.50% · 4.625%
HK$21,209
+HK$1,062/mo
Deposit HK$1.61M · loan HK$3.77M · min. income ≈ HK$40,294/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,090
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$22,777
−HK$698/mo
Today · 4.125%
HK$23,475
baseline
▲ 0.50% · 4.625%
HK$24,904
+HK$1,429/mo
Deposit HK$538K · loan HK$4.84M · min. income ≈ HK$46,950/mo (50% DSR)
Upfront cash ≈ HK$659K (deposit + AVD stamp duty HK$121,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,575
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$25,234
−HK$669/mo
Today · 4.125%
HK$25,903
baseline
▲ 0.50% · 4.625%
HK$27,268
+HK$1,365/mo
Deposit HK$538K · loan HK$4.84M · min. income ≈ HK$51,806/mo (50% DSR)
Upfront cash ≈ HK$659K (deposit + AVD stamp duty HK$121,095 · 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).