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$12,183
−HK$764/mo
▼ 0.25% · 3.875%
HK$12,562
−HK$385/mo
Today · 4.125%
HK$12,947
baseline
▲ 0.50% · 4.625%
HK$13,735
+HK$788/mo
Deposit HK$2.67M · loan HK$2.67M · min. income ≈ HK$25,894/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$120,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,553
−HK$733/mo
▼ 0.25% · 3.875%
HK$13,917
−HK$369/mo
Today · 4.125%
HK$14,286
baseline
▲ 0.50% · 4.625%
HK$15,039
+HK$753/mo
Deposit HK$2.67M · loan HK$2.67M · min. income ≈ HK$28,572/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$120,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,620
−HK$916/mo
▼ 0.25% · 3.875%
HK$15,074
−HK$462/mo
Today · 4.125%
HK$15,536
baseline
▲ 0.50% · 4.625%
HK$16,482
+HK$946/mo
Deposit HK$2.14M · loan HK$3.21M · min. income ≈ HK$31,072/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,264
−HK$879/mo
▼ 0.25% · 3.875%
HK$16,700
−HK$443/mo
Today · 4.125%
HK$17,143
baseline
▲ 0.50% · 4.625%
HK$18,047
+HK$904/mo
Deposit HK$2.14M · loan HK$3.21M · min. income ≈ HK$34,286/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,056
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$17,587
−HK$539/mo
Today · 4.125%
HK$18,126
baseline
▲ 0.50% · 4.625%
HK$19,229
+HK$1,103/mo
Deposit HK$1.60M · loan HK$3.74M · min. income ≈ HK$36,252/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$120,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,975
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$19,484
−HK$516/mo
Today · 4.125%
HK$20,000
baseline
▲ 0.50% · 4.625%
HK$21,054
+HK$1,054/mo
Deposit HK$1.60M · loan HK$3.74M · min. income ≈ HK$40,000/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$120,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,929
−HK$1,376/mo
▼ 0.25% · 3.875%
HK$22,612
−HK$693/mo
Today · 4.125%
HK$23,305
baseline
▲ 0.50% · 4.625%
HK$24,723
+HK$1,418/mo
Deposit HK$534K · loan HK$4.81M · min. income ≈ HK$46,610/mo (50% DSR)
Upfront cash ≈ HK$654K (deposit + AVD stamp duty HK$120,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,396
−HK$1,318/mo
▼ 0.25% · 3.875%
HK$25,051
−HK$663/mo
Today · 4.125%
HK$25,714
baseline
▲ 0.50% · 4.625%
HK$27,070
+HK$1,356/mo
Deposit HK$534K · loan HK$4.81M · min. income ≈ HK$51,428/mo (50% DSR)
Upfront cash ≈ HK$654K (deposit + AVD stamp duty HK$120,214 · 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).