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$12,218
−HK$766/mo
▼ 0.25% · 3.875%
HK$12,598
−HK$386/mo
Today · 4.125%
HK$12,984
baseline
▲ 0.50% · 4.625%
HK$13,774
+HK$790/mo
Deposit HK$2.68M · loan HK$2.68M · min. income ≈ HK$25,968/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$120,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,592
−HK$734/mo
▼ 0.25% · 3.875%
HK$13,957
−HK$369/mo
Today · 4.125%
HK$14,326
baseline
▲ 0.50% · 4.625%
HK$15,081
+HK$755/mo
Deposit HK$2.68M · loan HK$2.68M · min. income ≈ HK$28,652/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$120,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,661
−HK$920/mo
▼ 0.25% · 3.875%
HK$15,117
−HK$464/mo
Today · 4.125%
HK$15,581
baseline
▲ 0.50% · 4.625%
HK$16,529
+HK$948/mo
Deposit HK$2.14M · loan HK$3.21M · min. income ≈ HK$31,162/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,310
−HK$882/mo
▼ 0.25% · 3.875%
HK$16,748
−HK$444/mo
Today · 4.125%
HK$17,192
baseline
▲ 0.50% · 4.625%
HK$18,098
+HK$906/mo
Deposit HK$2.14M · loan HK$3.21M · min. income ≈ HK$34,384/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,105
−HK$1,072/mo
▼ 0.25% · 3.875%
HK$17,637
−HK$540/mo
Today · 4.125%
HK$18,177
baseline
▲ 0.50% · 4.625%
HK$19,283
+HK$1,106/mo
Deposit HK$1.61M · loan HK$3.75M · min. income ≈ HK$36,354/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,029
−HK$1,028/mo
▼ 0.25% · 3.875%
HK$19,539
−HK$518/mo
Today · 4.125%
HK$20,057
baseline
▲ 0.50% · 4.625%
HK$21,114
+HK$1,057/mo
Deposit HK$1.61M · loan HK$3.75M · min. income ≈ HK$40,114/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,992
−HK$1,379/mo
▼ 0.25% · 3.875%
HK$22,676
−HK$695/mo
Today · 4.125%
HK$23,371
baseline
▲ 0.50% · 4.625%
HK$24,793
+HK$1,422/mo
Deposit HK$536K · loan HK$4.82M · min. income ≈ HK$46,742/mo (50% DSR)
Upfront cash ≈ HK$656K (deposit + AVD stamp duty HK$120,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,466
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$25,122
−HK$665/mo
Today · 4.125%
HK$25,787
baseline
▲ 0.50% · 4.625%
HK$27,147
+HK$1,360/mo
Deposit HK$536K · loan HK$4.82M · min. income ≈ HK$51,574/mo (50% DSR)
Upfront cash ≈ HK$656K (deposit + AVD stamp duty HK$120,556 · 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).