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$12,203
−HK$766/mo
▼ 0.25% · 3.875%
HK$12,583
−HK$386/mo
Today · 4.125%
HK$12,969
baseline
▲ 0.50% · 4.625%
HK$13,758
+HK$789/mo
Deposit HK$2.68M · loan HK$2.68M · min. income ≈ HK$25,938/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$120,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,576
−HK$734/mo
▼ 0.25% · 3.875%
HK$13,940
−HK$370/mo
Today · 4.125%
HK$14,310
baseline
▲ 0.50% · 4.625%
HK$15,064
+HK$754/mo
Deposit HK$2.68M · loan HK$2.68M · min. income ≈ HK$28,620/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$120,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,644
−HK$918/mo
▼ 0.25% · 3.875%
HK$15,100
−HK$462/mo
Today · 4.125%
HK$15,562
baseline
▲ 0.50% · 4.625%
HK$16,509
+HK$947/mo
Deposit HK$2.14M · loan HK$3.21M · min. income ≈ HK$31,124/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,291
−HK$881/mo
▼ 0.25% · 3.875%
HK$16,728
−HK$444/mo
Today · 4.125%
HK$17,172
baseline
▲ 0.50% · 4.625%
HK$18,077
+HK$905/mo
Deposit HK$2.14M · loan HK$3.21M · min. income ≈ HK$34,344/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,085
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$17,616
−HK$540/mo
Today · 4.125%
HK$18,156
baseline
▲ 0.50% · 4.625%
HK$19,261
+HK$1,105/mo
Deposit HK$1.61M · loan HK$3.75M · min. income ≈ HK$36,312/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,007
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$19,516
−HK$517/mo
Today · 4.125%
HK$20,033
baseline
▲ 0.50% · 4.625%
HK$21,089
+HK$1,056/mo
Deposit HK$1.61M · loan HK$3.75M · min. income ≈ HK$40,066/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,966
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$22,649
−HK$695/mo
Today · 4.125%
HK$23,344
baseline
▲ 0.50% · 4.625%
HK$24,764
+HK$1,420/mo
Deposit HK$535K · loan HK$4.82M · min. income ≈ HK$46,688/mo (50% DSR)
Upfront cash ≈ HK$656K (deposit + AVD stamp duty HK$120,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,437
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$25,092
−HK$665/mo
Today · 4.125%
HK$25,757
baseline
▲ 0.50% · 4.625%
HK$27,115
+HK$1,358/mo
Deposit HK$535K · loan HK$4.82M · min. income ≈ HK$51,514/mo (50% DSR)
Upfront cash ≈ HK$656K (deposit + AVD stamp duty HK$120,415 · 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).