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$12,233
−HK$767/mo
▼ 0.25% · 3.875%
HK$12,613
−HK$387/mo
Today · 4.125%
HK$13,000
baseline
▲ 0.50% · 4.625%
HK$13,791
+HK$791/mo
Deposit HK$2.68M · loan HK$2.68M · min. income ≈ HK$26,000/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$120,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,609
−HK$735/mo
▼ 0.25% · 3.875%
HK$13,974
−HK$370/mo
Today · 4.125%
HK$14,344
baseline
▲ 0.50% · 4.625%
HK$15,100
+HK$756/mo
Deposit HK$2.68M · loan HK$2.68M · min. income ≈ HK$28,688/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$120,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,679
−HK$921/mo
▼ 0.25% · 3.875%
HK$15,136
−HK$464/mo
Today · 4.125%
HK$15,600
baseline
▲ 0.50% · 4.625%
HK$16,549
+HK$949/mo
Deposit HK$2.15M · loan HK$3.22M · min. income ≈ HK$31,200/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$120,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,331
−HK$882/mo
▼ 0.25% · 3.875%
HK$16,769
−HK$444/mo
Today · 4.125%
HK$17,213
baseline
▲ 0.50% · 4.625%
HK$18,120
+HK$907/mo
Deposit HK$2.15M · loan HK$3.22M · min. income ≈ HK$34,426/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$120,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,126
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$17,659
−HK$541/mo
Today · 4.125%
HK$18,200
baseline
▲ 0.50% · 4.625%
HK$19,307
+HK$1,107/mo
Deposit HK$1.61M · loan HK$3.76M · min. income ≈ HK$36,400/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,052
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$19,563
−HK$519/mo
Today · 4.125%
HK$20,082
baseline
▲ 0.50% · 4.625%
HK$21,140
+HK$1,058/mo
Deposit HK$1.61M · loan HK$3.76M · min. income ≈ HK$40,164/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,019
−HK$1,381/mo
▼ 0.25% · 3.875%
HK$22,704
−HK$696/mo
Today · 4.125%
HK$23,400
baseline
▲ 0.50% · 4.625%
HK$24,824
+HK$1,424/mo
Deposit HK$536K · loan HK$4.83M · min. income ≈ HK$46,800/mo (50% DSR)
Upfront cash ≈ HK$657K (deposit + AVD stamp duty HK$120,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,496
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$25,153
−HK$666/mo
Today · 4.125%
HK$25,819
baseline
▲ 0.50% · 4.625%
HK$27,180
+HK$1,361/mo
Deposit HK$536K · loan HK$4.83M · min. income ≈ HK$51,638/mo (50% DSR)
Upfront cash ≈ HK$657K (deposit + AVD stamp duty HK$120,705 · 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).