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$12,116
−HK$759/mo
▼ 0.25% · 3.875%
HK$12,493
−HK$382/mo
Today · 4.125%
HK$12,875
baseline
▲ 0.50% · 4.625%
HK$13,659
+HK$784/mo
Deposit HK$2.66M · loan HK$2.66M · min. income ≈ HK$25,750/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$119,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,479
−HK$728/mo
▼ 0.25% · 3.875%
HK$13,840
−HK$367/mo
Today · 4.125%
HK$14,207
baseline
▲ 0.50% · 4.625%
HK$14,956
+HK$749/mo
Deposit HK$2.66M · loan HK$2.66M · min. income ≈ HK$28,414/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$119,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,539
−HK$912/mo
▼ 0.25% · 3.875%
HK$14,991
−HK$460/mo
Today · 4.125%
HK$15,451
baseline
▲ 0.50% · 4.625%
HK$16,391
+HK$940/mo
Deposit HK$2.13M · loan HK$3.19M · min. income ≈ HK$30,902/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,174
−HK$874/mo
▼ 0.25% · 3.875%
HK$16,608
−HK$440/mo
Today · 4.125%
HK$17,048
baseline
▲ 0.50% · 4.625%
HK$17,947
+HK$899/mo
Deposit HK$2.13M · loan HK$3.19M · min. income ≈ HK$34,096/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,962
−HK$1,064/mo
▼ 0.25% · 3.875%
HK$17,490
−HK$536/mo
Today · 4.125%
HK$18,026
baseline
▲ 0.50% · 4.625%
HK$19,122
+HK$1,096/mo
Deposit HK$1.59M · loan HK$3.72M · min. income ≈ HK$36,052/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,870
−HK$1,020/mo
▼ 0.25% · 3.875%
HK$19,376
−HK$514/mo
Today · 4.125%
HK$19,890
baseline
▲ 0.50% · 4.625%
HK$20,938
+HK$1,048/mo
Deposit HK$1.59M · loan HK$3.72M · min. income ≈ HK$39,780/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,808
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$22,487
−HK$689/mo
Today · 4.125%
HK$23,176
baseline
▲ 0.50% · 4.625%
HK$24,586
+HK$1,410/mo
Deposit HK$531K · loan HK$4.78M · min. income ≈ HK$46,352/mo (50% DSR)
Upfront cash ≈ HK$651K (deposit + AVD stamp duty HK$119,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,261
−HK$1,311/mo
▼ 0.25% · 3.875%
HK$24,912
−HK$660/mo
Today · 4.125%
HK$25,572
baseline
▲ 0.50% · 4.625%
HK$26,920
+HK$1,348/mo
Deposit HK$531K · loan HK$4.78M · min. income ≈ HK$51,144/mo (50% DSR)
Upfront cash ≈ HK$651K (deposit + AVD stamp duty HK$119,550 · 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).