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$12,154
−HK$763/mo
▼ 0.25% · 3.875%
HK$12,532
−HK$385/mo
Today · 4.125%
HK$12,917
baseline
▲ 0.50% · 4.625%
HK$13,702
+HK$785/mo
Deposit HK$2.67M · loan HK$2.67M · min. income ≈ HK$25,834/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$119,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,522
−HK$730/mo
▼ 0.25% · 3.875%
HK$13,884
−HK$368/mo
Today · 4.125%
HK$14,252
baseline
▲ 0.50% · 4.625%
HK$15,003
+HK$751/mo
Deposit HK$2.67M · loan HK$2.67M · min. income ≈ HK$28,504/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$119,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,585
−HK$915/mo
▼ 0.25% · 3.875%
HK$15,039
−HK$461/mo
Today · 4.125%
HK$15,500
baseline
▲ 0.50% · 4.625%
HK$16,443
+HK$943/mo
Deposit HK$2.13M · loan HK$3.20M · min. income ≈ HK$31,000/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$119,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,226
−HK$877/mo
▼ 0.25% · 3.875%
HK$16,661
−HK$442/mo
Today · 4.125%
HK$17,103
baseline
▲ 0.50% · 4.625%
HK$18,004
+HK$901/mo
Deposit HK$2.13M · loan HK$3.20M · min. income ≈ HK$34,206/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$119,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,016
−HK$1,067/mo
▼ 0.25% · 3.875%
HK$17,545
−HK$538/mo
Today · 4.125%
HK$18,083
baseline
▲ 0.50% · 4.625%
HK$19,183
+HK$1,100/mo
Deposit HK$1.60M · loan HK$3.73M · min. income ≈ HK$36,166/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$119,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,930
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$19,438
−HK$515/mo
Today · 4.125%
HK$19,953
baseline
▲ 0.50% · 4.625%
HK$21,005
+HK$1,052/mo
Deposit HK$1.60M · loan HK$3.73M · min. income ≈ HK$39,906/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$119,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,878
−HK$1,372/mo
▼ 0.25% · 3.875%
HK$22,558
−HK$692/mo
Today · 4.125%
HK$23,250
baseline
▲ 0.50% · 4.625%
HK$24,664
+HK$1,414/mo
Deposit HK$533K · loan HK$4.80M · min. income ≈ HK$46,500/mo (50% DSR)
Upfront cash ≈ HK$653K (deposit + AVD stamp duty HK$119,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,339
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$24,992
−HK$662/mo
Today · 4.125%
HK$25,654
baseline
▲ 0.50% · 4.625%
HK$27,006
+HK$1,352/mo
Deposit HK$533K · loan HK$4.80M · min. income ≈ HK$51,308/mo (50% DSR)
Upfront cash ≈ HK$653K (deposit + AVD stamp duty HK$119,931 · 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).