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$12,214
−HK$766/mo
▼ 0.25% · 3.875%
HK$12,594
−HK$386/mo
Today · 4.125%
HK$12,980
baseline
▲ 0.50% · 4.625%
HK$13,770
+HK$790/mo
Deposit HK$2.68M · loan HK$2.68M · min. income ≈ HK$25,960/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$120,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,588
−HK$734/mo
▼ 0.25% · 3.875%
HK$13,952
−HK$370/mo
Today · 4.125%
HK$14,322
baseline
▲ 0.50% · 4.625%
HK$15,077
+HK$755/mo
Deposit HK$2.68M · loan HK$2.68M · min. income ≈ HK$28,644/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$120,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,657
−HK$919/mo
▼ 0.25% · 3.875%
HK$15,113
−HK$463/mo
Today · 4.125%
HK$15,576
baseline
▲ 0.50% · 4.625%
HK$16,524
+HK$948/mo
Deposit HK$2.14M · loan HK$3.21M · min. income ≈ HK$31,152/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,305
−HK$881/mo
▼ 0.25% · 3.875%
HK$16,743
−HK$443/mo
Today · 4.125%
HK$17,186
baseline
▲ 0.50% · 4.625%
HK$18,092
+HK$906/mo
Deposit HK$2.14M · loan HK$3.21M · min. income ≈ HK$34,372/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,100
−HK$1,072/mo
▼ 0.25% · 3.875%
HK$17,631
−HK$541/mo
Today · 4.125%
HK$18,172
baseline
▲ 0.50% · 4.625%
HK$19,278
+HK$1,106/mo
Deposit HK$1.61M · loan HK$3.75M · min. income ≈ HK$36,344/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,023
−HK$1,028/mo
▼ 0.25% · 3.875%
HK$19,533
−HK$518/mo
Today · 4.125%
HK$20,051
baseline
▲ 0.50% · 4.625%
HK$21,108
+HK$1,057/mo
Deposit HK$1.61M · loan HK$3.75M · min. income ≈ HK$40,102/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,985
−HK$1,379/mo
▼ 0.25% · 3.875%
HK$22,669
−HK$695/mo
Today · 4.125%
HK$23,364
baseline
▲ 0.50% · 4.625%
HK$24,785
+HK$1,421/mo
Deposit HK$536K · loan HK$4.82M · min. income ≈ HK$46,728/mo (50% DSR)
Upfront cash ≈ HK$656K (deposit + AVD stamp duty HK$120,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,458
−HK$1,322/mo
▼ 0.25% · 3.875%
HK$25,114
−HK$666/mo
Today · 4.125%
HK$25,780
baseline
▲ 0.50% · 4.625%
HK$27,138
+HK$1,358/mo
Deposit HK$536K · loan HK$4.82M · min. income ≈ HK$51,560/mo (50% DSR)
Upfront cash ≈ HK$656K (deposit + AVD stamp duty HK$120,519 · 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).