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$12,268
−HK$770/mo
▼ 0.25% · 3.875%
HK$12,650
−HK$388/mo
Today · 4.125%
HK$13,038
baseline
▲ 0.50% · 4.625%
HK$13,831
+HK$793/mo
Deposit HK$2.69M · loan HK$2.69M · min. income ≈ HK$26,076/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$121,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,649
−HK$737/mo
▼ 0.25% · 3.875%
HK$14,015
−HK$371/mo
Today · 4.125%
HK$14,386
baseline
▲ 0.50% · 4.625%
HK$15,144
+HK$758/mo
Deposit HK$2.69M · loan HK$2.69M · min. income ≈ HK$28,772/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$121,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,722
−HK$923/mo
▼ 0.25% · 3.875%
HK$15,180
−HK$465/mo
Today · 4.125%
HK$15,645
baseline
▲ 0.50% · 4.625%
HK$16,597
+HK$952/mo
Deposit HK$2.15M · loan HK$3.23M · min. income ≈ HK$31,290/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$121,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,378
−HK$885/mo
▼ 0.25% · 3.875%
HK$16,818
−HK$445/mo
Today · 4.125%
HK$17,263
baseline
▲ 0.50% · 4.625%
HK$18,173
+HK$910/mo
Deposit HK$2.15M · loan HK$3.23M · min. income ≈ HK$34,526/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$121,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,176
−HK$1,077/mo
▼ 0.25% · 3.875%
HK$17,710
−HK$543/mo
Today · 4.125%
HK$18,253
baseline
▲ 0.50% · 4.625%
HK$19,364
+HK$1,111/mo
Deposit HK$1.61M · loan HK$3.77M · min. income ≈ HK$36,506/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,108
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$19,620
−HK$520/mo
Today · 4.125%
HK$20,140
baseline
▲ 0.50% · 4.625%
HK$21,202
+HK$1,062/mo
Deposit HK$1.61M · loan HK$3.77M · min. income ≈ HK$40,280/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,083
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$22,770
−HK$698/mo
Today · 4.125%
HK$23,468
baseline
▲ 0.50% · 4.625%
HK$24,896
+HK$1,428/mo
Deposit HK$538K · loan HK$4.84M · min. income ≈ HK$46,936/mo (50% DSR)
Upfront cash ≈ HK$659K (deposit + AVD stamp duty HK$121,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,567
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$25,226
−HK$669/mo
Today · 4.125%
HK$25,895
baseline
▲ 0.50% · 4.625%
HK$27,260
+HK$1,365/mo
Deposit HK$538K · loan HK$4.84M · min. income ≈ HK$51,790/mo (50% DSR)
Upfront cash ≈ HK$659K (deposit + AVD stamp duty HK$121,058 · 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).