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$12,221
−HK$766/mo
▼ 0.25% · 3.875%
HK$12,601
−HK$386/mo
Today · 4.125%
HK$12,987
baseline
▲ 0.50% · 4.625%
HK$13,778
+HK$791/mo
Deposit HK$2.68M · loan HK$2.68M · min. income ≈ HK$25,974/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$120,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,596
−HK$734/mo
▼ 0.25% · 3.875%
HK$13,960
−HK$370/mo
Today · 4.125%
HK$14,330
baseline
▲ 0.50% · 4.625%
HK$15,086
+HK$756/mo
Deposit HK$2.68M · loan HK$2.68M · min. income ≈ HK$28,660/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$120,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,665
−HK$920/mo
▼ 0.25% · 3.875%
HK$15,122
−HK$463/mo
Today · 4.125%
HK$15,585
baseline
▲ 0.50% · 4.625%
HK$16,533
+HK$948/mo
Deposit HK$2.14M · loan HK$3.22M · min. income ≈ HK$31,170/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,315
−HK$881/mo
▼ 0.25% · 3.875%
HK$16,753
−HK$443/mo
Today · 4.125%
HK$17,196
baseline
▲ 0.50% · 4.625%
HK$18,103
+HK$907/mo
Deposit HK$2.14M · loan HK$3.22M · min. income ≈ HK$34,392/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,110
−HK$1,072/mo
▼ 0.25% · 3.875%
HK$17,642
−HK$540/mo
Today · 4.125%
HK$18,182
baseline
▲ 0.50% · 4.625%
HK$19,289
+HK$1,107/mo
Deposit HK$1.61M · loan HK$3.75M · min. income ≈ HK$36,364/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,034
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$19,545
−HK$518/mo
Today · 4.125%
HK$20,063
baseline
▲ 0.50% · 4.625%
HK$21,120
+HK$1,057/mo
Deposit HK$1.61M · loan HK$3.75M · min. income ≈ HK$40,126/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,998
−HK$1,379/mo
▼ 0.25% · 3.875%
HK$22,682
−HK$695/mo
Today · 4.125%
HK$23,377
baseline
▲ 0.50% · 4.625%
HK$24,800
+HK$1,423/mo
Deposit HK$536K · loan HK$4.82M · min. income ≈ HK$46,754/mo (50% DSR)
Upfront cash ≈ HK$657K (deposit + AVD stamp duty HK$120,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,473
−HK$1,322/mo
▼ 0.25% · 3.875%
HK$25,129
−HK$666/mo
Today · 4.125%
HK$25,795
baseline
▲ 0.50% · 4.625%
HK$27,154
+HK$1,359/mo
Deposit HK$536K · loan HK$4.82M · min. income ≈ HK$51,590/mo (50% DSR)
Upfront cash ≈ HK$657K (deposit + AVD stamp duty HK$120,590 · 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).