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$12,274
−HK$770/mo
▼ 0.25% · 3.875%
HK$12,656
−HK$388/mo
Today · 4.125%
HK$13,044
baseline
▲ 0.50% · 4.625%
HK$13,838
+HK$794/mo
Deposit HK$2.69M · loan HK$2.69M · min. income ≈ HK$26,088/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$121,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,655
−HK$738/mo
▼ 0.25% · 3.875%
HK$14,021
−HK$372/mo
Today · 4.125%
HK$14,393
baseline
▲ 0.50% · 4.625%
HK$15,151
+HK$758/mo
Deposit HK$2.69M · loan HK$2.69M · min. income ≈ HK$28,786/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$121,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,729
−HK$924/mo
▼ 0.25% · 3.875%
HK$15,187
−HK$466/mo
Today · 4.125%
HK$15,653
baseline
▲ 0.50% · 4.625%
HK$16,605
+HK$952/mo
Deposit HK$2.15M · loan HK$3.23M · min. income ≈ HK$31,306/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$121,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,386
−HK$885/mo
▼ 0.25% · 3.875%
HK$16,826
−HK$445/mo
Today · 4.125%
HK$17,271
baseline
▲ 0.50% · 4.625%
HK$18,182
+HK$911/mo
Deposit HK$2.15M · loan HK$3.23M · min. income ≈ HK$34,542/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$121,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,184
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$17,719
−HK$543/mo
Today · 4.125%
HK$18,262
baseline
▲ 0.50% · 4.625%
HK$19,373
+HK$1,111/mo
Deposit HK$1.61M · loan HK$3.77M · min. income ≈ HK$36,524/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,117
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$19,630
−HK$520/mo
Today · 4.125%
HK$20,150
baseline
▲ 0.50% · 4.625%
HK$21,212
+HK$1,062/mo
Deposit HK$1.61M · loan HK$3.77M · min. income ≈ HK$40,300/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,094
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$22,781
−HK$698/mo
Today · 4.125%
HK$23,479
baseline
▲ 0.50% · 4.625%
HK$24,908
+HK$1,429/mo
Deposit HK$538K · loan HK$4.84M · min. income ≈ HK$46,958/mo (50% DSR)
Upfront cash ≈ HK$659K (deposit + AVD stamp duty HK$121,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,579
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$25,238
−HK$669/mo
Today · 4.125%
HK$25,907
baseline
▲ 0.50% · 4.625%
HK$27,273
+HK$1,366/mo
Deposit HK$538K · loan HK$4.84M · min. income ≈ HK$51,814/mo (50% DSR)
Upfront cash ≈ HK$659K (deposit + AVD stamp duty HK$121,115 · 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).