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$12,229
−HK$767/mo
▼ 0.25% · 3.875%
HK$12,610
−HK$386/mo
Today · 4.125%
HK$12,996
baseline
▲ 0.50% · 4.625%
HK$13,787
+HK$791/mo
Deposit HK$2.68M · loan HK$2.68M · min. income ≈ HK$25,992/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$120,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,605
−HK$735/mo
▼ 0.25% · 3.875%
HK$13,970
−HK$370/mo
Today · 4.125%
HK$14,340
baseline
▲ 0.50% · 4.625%
HK$15,096
+HK$756/mo
Deposit HK$2.68M · loan HK$2.68M · min. income ≈ HK$28,680/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$120,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,675
−HK$920/mo
▼ 0.25% · 3.875%
HK$15,132
−HK$463/mo
Today · 4.125%
HK$15,595
baseline
▲ 0.50% · 4.625%
HK$16,544
+HK$949/mo
Deposit HK$2.15M · loan HK$3.22M · min. income ≈ HK$31,190/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$120,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,326
−HK$882/mo
▼ 0.25% · 3.875%
HK$16,764
−HK$444/mo
Today · 4.125%
HK$17,208
baseline
▲ 0.50% · 4.625%
HK$18,115
+HK$907/mo
Deposit HK$2.15M · loan HK$3.22M · min. income ≈ HK$34,416/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$120,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,121
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$17,654
−HK$541/mo
Today · 4.125%
HK$18,195
baseline
▲ 0.50% · 4.625%
HK$19,302
+HK$1,107/mo
Deposit HK$1.61M · loan HK$3.75M · min. income ≈ HK$36,390/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,047
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$19,558
−HK$518/mo
Today · 4.125%
HK$20,076
baseline
▲ 0.50% · 4.625%
HK$21,134
+HK$1,058/mo
Deposit HK$1.61M · loan HK$3.75M · min. income ≈ HK$40,152/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,013
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$22,698
−HK$695/mo
Today · 4.125%
HK$23,393
baseline
▲ 0.50% · 4.625%
HK$24,817
+HK$1,424/mo
Deposit HK$536K · loan HK$4.83M · min. income ≈ HK$46,786/mo (50% DSR)
Upfront cash ≈ HK$657K (deposit + AVD stamp duty HK$120,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,489
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$25,146
−HK$666/mo
Today · 4.125%
HK$25,812
baseline
▲ 0.50% · 4.625%
HK$27,173
+HK$1,361/mo
Deposit HK$536K · loan HK$4.83M · min. income ≈ HK$51,624/mo (50% DSR)
Upfront cash ≈ HK$657K (deposit + AVD stamp duty HK$120,671 · 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).