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$12,206
−HK$765/mo
▼ 0.25% · 3.875%
HK$12,586
−HK$385/mo
Today · 4.125%
HK$12,971
baseline
▲ 0.50% · 4.625%
HK$13,761
+HK$790/mo
Deposit HK$2.68M · loan HK$2.68M · min. income ≈ HK$25,942/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$120,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,579
−HK$733/mo
▼ 0.25% · 3.875%
HK$13,943
−HK$369/mo
Today · 4.125%
HK$14,312
baseline
▲ 0.50% · 4.625%
HK$15,067
+HK$755/mo
Deposit HK$2.68M · loan HK$2.68M · min. income ≈ HK$28,624/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$120,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,647
−HK$918/mo
▼ 0.25% · 3.875%
HK$15,103
−HK$462/mo
Today · 4.125%
HK$15,565
baseline
▲ 0.50% · 4.625%
HK$16,513
+HK$948/mo
Deposit HK$2.14M · loan HK$3.21M · min. income ≈ HK$31,130/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,295
−HK$880/mo
▼ 0.25% · 3.875%
HK$16,732
−HK$443/mo
Today · 4.125%
HK$17,175
baseline
▲ 0.50% · 4.625%
HK$18,080
+HK$905/mo
Deposit HK$2.14M · loan HK$3.21M · min. income ≈ HK$34,350/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,088
−HK$1,072/mo
▼ 0.25% · 3.875%
HK$17,620
−HK$540/mo
Today · 4.125%
HK$18,160
baseline
▲ 0.50% · 4.625%
HK$19,265
+HK$1,105/mo
Deposit HK$1.61M · loan HK$3.75M · min. income ≈ HK$36,320/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,010
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$19,520
−HK$517/mo
Today · 4.125%
HK$20,037
baseline
▲ 0.50% · 4.625%
HK$21,094
+HK$1,057/mo
Deposit HK$1.61M · loan HK$3.75M · min. income ≈ HK$40,074/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,970
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$22,654
−HK$694/mo
Today · 4.125%
HK$23,348
baseline
▲ 0.50% · 4.625%
HK$24,769
+HK$1,421/mo
Deposit HK$535K · loan HK$4.82M · min. income ≈ HK$46,696/mo (50% DSR)
Upfront cash ≈ HK$656K (deposit + AVD stamp duty HK$120,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,442
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$25,097
−HK$665/mo
Today · 4.125%
HK$25,762
baseline
▲ 0.50% · 4.625%
HK$27,120
+HK$1,358/mo
Deposit HK$535K · loan HK$4.82M · min. income ≈ HK$51,524/mo (50% DSR)
Upfront cash ≈ HK$656K (deposit + AVD stamp duty HK$120,439 · 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).