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$12,163
−HK$763/mo
▼ 0.25% · 3.875%
HK$12,542
−HK$384/mo
Today · 4.125%
HK$12,926
baseline
▲ 0.50% · 4.625%
HK$13,713
+HK$787/mo
Deposit HK$2.67M · loan HK$2.67M · min. income ≈ HK$25,852/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$120,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,532
−HK$731/mo
▼ 0.25% · 3.875%
HK$13,895
−HK$368/mo
Today · 4.125%
HK$14,263
baseline
▲ 0.50% · 4.625%
HK$15,015
+HK$752/mo
Deposit HK$2.67M · loan HK$2.67M · min. income ≈ HK$28,526/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$120,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,596
−HK$915/mo
▼ 0.25% · 3.875%
HK$15,050
−HK$461/mo
Today · 4.125%
HK$15,511
baseline
▲ 0.50% · 4.625%
HK$16,455
+HK$944/mo
Deposit HK$2.13M · loan HK$3.20M · min. income ≈ HK$31,022/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$120,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,238
−HK$877/mo
▼ 0.25% · 3.875%
HK$16,674
−HK$441/mo
Today · 4.125%
HK$17,115
baseline
▲ 0.50% · 4.625%
HK$18,018
+HK$903/mo
Deposit HK$2.13M · loan HK$3.20M · min. income ≈ HK$34,230/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$120,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,029
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$17,559
−HK$538/mo
Today · 4.125%
HK$18,097
baseline
▲ 0.50% · 4.625%
HK$19,198
+HK$1,101/mo
Deposit HK$1.60M · loan HK$3.73M · min. income ≈ HK$36,194/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$120,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,944
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$19,453
−HK$515/mo
Today · 4.125%
HK$19,968
baseline
▲ 0.50% · 4.625%
HK$21,020
+HK$1,052/mo
Deposit HK$1.60M · loan HK$3.73M · min. income ≈ HK$39,936/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$120,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,894
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$22,575
−HK$692/mo
Today · 4.125%
HK$23,267
baseline
▲ 0.50% · 4.625%
HK$24,683
+HK$1,416/mo
Deposit HK$533K · loan HK$4.80M · min. income ≈ HK$46,534/mo (50% DSR)
Upfront cash ≈ HK$653K (deposit + AVD stamp duty HK$120,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,357
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$25,010
−HK$663/mo
Today · 4.125%
HK$25,673
baseline
▲ 0.50% · 4.625%
HK$27,026
+HK$1,353/mo
Deposit HK$533K · loan HK$4.80M · min. income ≈ HK$51,346/mo (50% DSR)
Upfront cash ≈ HK$653K (deposit + AVD stamp duty HK$120,021 · 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).