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$12,256
−HK$768/mo
▼ 0.25% · 3.875%
HK$12,637
−HK$387/mo
Today · 4.125%
HK$13,024
baseline
▲ 0.50% · 4.625%
HK$13,817
+HK$793/mo
Deposit HK$2.69M · loan HK$2.69M · min. income ≈ HK$26,048/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$120,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,634
−HK$737/mo
▼ 0.25% · 3.875%
HK$14,000
−HK$371/mo
Today · 4.125%
HK$14,371
baseline
▲ 0.50% · 4.625%
HK$15,128
+HK$757/mo
Deposit HK$2.69M · loan HK$2.69M · min. income ≈ HK$28,742/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$120,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,707
−HK$922/mo
▼ 0.25% · 3.875%
HK$15,164
−HK$465/mo
Today · 4.125%
HK$15,629
baseline
▲ 0.50% · 4.625%
HK$16,580
+HK$951/mo
Deposit HK$2.15M · loan HK$3.22M · min. income ≈ HK$31,258/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$120,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,361
−HK$884/mo
▼ 0.25% · 3.875%
HK$16,800
−HK$445/mo
Today · 4.125%
HK$17,245
baseline
▲ 0.50% · 4.625%
HK$18,154
+HK$909/mo
Deposit HK$2.15M · loan HK$3.22M · min. income ≈ HK$34,490/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$120,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,158
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$17,691
−HK$543/mo
Today · 4.125%
HK$18,234
baseline
▲ 0.50% · 4.625%
HK$19,343
+HK$1,109/mo
Deposit HK$1.61M · loan HK$3.76M · min. income ≈ HK$36,468/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,088
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$19,600
−HK$519/mo
Today · 4.125%
HK$20,119
baseline
▲ 0.50% · 4.625%
HK$21,180
+HK$1,061/mo
Deposit HK$1.61M · loan HK$3.76M · min. income ≈ HK$40,238/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,060
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$22,746
−HK$697/mo
Today · 4.125%
HK$23,443
baseline
▲ 0.50% · 4.625%
HK$24,870
+HK$1,427/mo
Deposit HK$537K · loan HK$4.84M · min. income ≈ HK$46,886/mo (50% DSR)
Upfront cash ≈ HK$658K (deposit + AVD stamp duty HK$120,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,542
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$25,200
−HK$667/mo
Today · 4.125%
HK$25,867
baseline
▲ 0.50% · 4.625%
HK$27,231
+HK$1,364/mo
Deposit HK$537K · loan HK$4.84M · min. income ≈ HK$51,734/mo (50% DSR)
Upfront cash ≈ HK$658K (deposit + AVD stamp duty HK$120,930 · 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).