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$12,165
−HK$762/mo
▼ 0.25% · 3.875%
HK$12,543
−HK$384/mo
Today · 4.125%
HK$12,927
baseline
▲ 0.50% · 4.625%
HK$13,714
+HK$787/mo
Deposit HK$2.67M · loan HK$2.67M · min. income ≈ HK$25,854/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$120,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,533
−HK$731/mo
▼ 0.25% · 3.875%
HK$13,896
−HK$368/mo
Today · 4.125%
HK$14,264
baseline
▲ 0.50% · 4.625%
HK$15,016
+HK$752/mo
Deposit HK$2.67M · loan HK$2.67M · min. income ≈ HK$28,528/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$120,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,598
−HK$915/mo
▼ 0.25% · 3.875%
HK$15,052
−HK$461/mo
Today · 4.125%
HK$15,513
baseline
▲ 0.50% · 4.625%
HK$16,457
+HK$944/mo
Deposit HK$2.13M · loan HK$3.20M · min. income ≈ HK$31,026/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$120,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,240
−HK$877/mo
▼ 0.25% · 3.875%
HK$16,675
−HK$442/mo
Today · 4.125%
HK$17,117
baseline
▲ 0.50% · 4.625%
HK$18,019
+HK$902/mo
Deposit HK$2.13M · loan HK$3.20M · min. income ≈ HK$34,234/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$120,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,030
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$17,560
−HK$538/mo
Today · 4.125%
HK$18,098
baseline
▲ 0.50% · 4.625%
HK$19,200
+HK$1,102/mo
Deposit HK$1.60M · loan HK$3.73M · min. income ≈ HK$36,196/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$120,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,946
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$19,454
−HK$516/mo
Today · 4.125%
HK$19,970
baseline
▲ 0.50% · 4.625%
HK$21,022
+HK$1,052/mo
Deposit HK$1.60M · loan HK$3.73M · min. income ≈ HK$39,940/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$120,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,896
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$22,577
−HK$692/mo
Today · 4.125%
HK$23,269
baseline
▲ 0.50% · 4.625%
HK$24,685
+HK$1,416/mo
Deposit HK$533K · loan HK$4.80M · min. income ≈ HK$46,538/mo (50% DSR)
Upfront cash ≈ HK$654K (deposit + AVD stamp duty HK$120,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,359
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$25,013
−HK$662/mo
Today · 4.125%
HK$25,675
baseline
▲ 0.50% · 4.625%
HK$27,029
+HK$1,354/mo
Deposit HK$533K · loan HK$4.80M · min. income ≈ HK$51,350/mo (50% DSR)
Upfront cash ≈ HK$654K (deposit + AVD stamp duty HK$120,032 · 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).