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$12,270
−HK$769/mo
▼ 0.25% · 3.875%
HK$12,651
−HK$388/mo
Today · 4.125%
HK$13,039
baseline
▲ 0.50% · 4.625%
HK$13,832
+HK$793/mo
Deposit HK$2.69M · loan HK$2.69M · min. income ≈ HK$26,078/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$121,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,650
−HK$737/mo
▼ 0.25% · 3.875%
HK$14,016
−HK$371/mo
Today · 4.125%
HK$14,387
baseline
▲ 0.50% · 4.625%
HK$15,146
+HK$759/mo
Deposit HK$2.69M · loan HK$2.69M · min. income ≈ HK$28,774/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$121,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,723
−HK$924/mo
▼ 0.25% · 3.875%
HK$15,181
−HK$466/mo
Today · 4.125%
HK$15,647
baseline
▲ 0.50% · 4.625%
HK$16,599
+HK$952/mo
Deposit HK$2.15M · loan HK$3.23M · min. income ≈ HK$31,294/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$121,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,380
−HK$885/mo
▼ 0.25% · 3.875%
HK$16,819
−HK$446/mo
Today · 4.125%
HK$17,265
baseline
▲ 0.50% · 4.625%
HK$18,175
+HK$910/mo
Deposit HK$2.15M · loan HK$3.23M · min. income ≈ HK$34,530/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$121,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,177
−HK$1,077/mo
▼ 0.25% · 3.875%
HK$17,712
−HK$542/mo
Today · 4.125%
HK$18,254
baseline
▲ 0.50% · 4.625%
HK$19,365
+HK$1,111/mo
Deposit HK$1.61M · loan HK$3.77M · min. income ≈ HK$36,508/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,110
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$19,622
−HK$520/mo
Today · 4.125%
HK$20,142
baseline
▲ 0.50% · 4.625%
HK$21,204
+HK$1,062/mo
Deposit HK$1.61M · loan HK$3.77M · min. income ≈ HK$40,284/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,085
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$22,772
−HK$698/mo
Today · 4.125%
HK$23,470
baseline
▲ 0.50% · 4.625%
HK$24,898
+HK$1,428/mo
Deposit HK$538K · loan HK$4.84M · min. income ≈ HK$46,940/mo (50% DSR)
Upfront cash ≈ HK$659K (deposit + AVD stamp duty HK$121,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,569
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$25,228
−HK$669/mo
Today · 4.125%
HK$25,897
baseline
▲ 0.50% · 4.625%
HK$27,262
+HK$1,365/mo
Deposit HK$538K · loan HK$4.84M · min. income ≈ HK$51,794/mo (50% DSR)
Upfront cash ≈ HK$659K (deposit + AVD stamp duty HK$121,068 · 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).