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$12,251
−HK$768/mo
▼ 0.25% · 3.875%
HK$12,632
−HK$387/mo
Today · 4.125%
HK$13,019
baseline
▲ 0.50% · 4.625%
HK$13,811
+HK$792/mo
Deposit HK$2.69M · loan HK$2.69M · min. income ≈ HK$26,038/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$120,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,629
−HK$736/mo
▼ 0.25% · 3.875%
HK$13,994
−HK$371/mo
Today · 4.125%
HK$14,365
baseline
▲ 0.50% · 4.625%
HK$15,122
+HK$757/mo
Deposit HK$2.69M · loan HK$2.69M · min. income ≈ HK$28,730/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$120,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,701
−HK$922/mo
▼ 0.25% · 3.875%
HK$15,158
−HK$465/mo
Today · 4.125%
HK$15,623
baseline
▲ 0.50% · 4.625%
HK$16,574
+HK$951/mo
Deposit HK$2.15M · loan HK$3.22M · min. income ≈ HK$31,246/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$120,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,355
−HK$883/mo
▼ 0.25% · 3.875%
HK$16,793
−HK$445/mo
Today · 4.125%
HK$17,238
baseline
▲ 0.50% · 4.625%
HK$18,147
+HK$909/mo
Deposit HK$2.15M · loan HK$3.22M · min. income ≈ HK$34,476/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$120,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,151
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$17,685
−HK$542/mo
Today · 4.125%
HK$18,227
baseline
▲ 0.50% · 4.625%
HK$19,336
+HK$1,109/mo
Deposit HK$1.61M · loan HK$3.76M · min. income ≈ HK$36,454/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,081
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$19,592
−HK$519/mo
Today · 4.125%
HK$20,111
baseline
▲ 0.50% · 4.625%
HK$21,171
+HK$1,060/mo
Deposit HK$1.61M · loan HK$3.76M · min. income ≈ HK$40,222/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,052
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$22,737
−HK$697/mo
Today · 4.125%
HK$23,434
baseline
▲ 0.50% · 4.625%
HK$24,860
+HK$1,426/mo
Deposit HK$537K · loan HK$4.84M · min. income ≈ HK$46,868/mo (50% DSR)
Upfront cash ≈ HK$658K (deposit + AVD stamp duty HK$120,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,532
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$25,190
−HK$667/mo
Today · 4.125%
HK$25,857
baseline
▲ 0.50% · 4.625%
HK$27,220
+HK$1,363/mo
Deposit HK$537K · loan HK$4.84M · min. income ≈ HK$51,714/mo (50% DSR)
Upfront cash ≈ HK$658K (deposit + AVD stamp duty HK$120,883 · 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).