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$12,231
−HK$767/mo
▼ 0.25% · 3.875%
HK$12,612
−HK$386/mo
Today · 4.125%
HK$12,998
baseline
▲ 0.50% · 4.625%
HK$13,789
+HK$791/mo
Deposit HK$2.68M · loan HK$2.68M · min. income ≈ HK$25,996/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$120,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,607
−HK$736/mo
▼ 0.25% · 3.875%
HK$13,972
−HK$371/mo
Today · 4.125%
HK$14,343
baseline
▲ 0.50% · 4.625%
HK$15,099
+HK$756/mo
Deposit HK$2.68M · loan HK$2.68M · min. income ≈ HK$28,686/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$120,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,678
−HK$920/mo
▼ 0.25% · 3.875%
HK$15,134
−HK$464/mo
Today · 4.125%
HK$15,598
baseline
▲ 0.50% · 4.625%
HK$16,547
+HK$949/mo
Deposit HK$2.15M · loan HK$3.22M · min. income ≈ HK$31,196/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$120,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,329
−HK$882/mo
▼ 0.25% · 3.875%
HK$16,767
−HK$444/mo
Today · 4.125%
HK$17,211
baseline
▲ 0.50% · 4.625%
HK$18,118
+HK$907/mo
Deposit HK$2.15M · loan HK$3.22M · min. income ≈ HK$34,422/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$120,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,124
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$17,657
−HK$541/mo
Today · 4.125%
HK$18,198
baseline
▲ 0.50% · 4.625%
HK$19,305
+HK$1,107/mo
Deposit HK$1.61M · loan HK$3.75M · min. income ≈ HK$36,396/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,050
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$19,561
−HK$519/mo
Today · 4.125%
HK$20,080
baseline
▲ 0.50% · 4.625%
HK$21,138
+HK$1,058/mo
Deposit HK$1.61M · loan HK$3.75M · min. income ≈ HK$40,160/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,017
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$22,701
−HK$696/mo
Today · 4.125%
HK$23,397
baseline
▲ 0.50% · 4.625%
HK$24,821
+HK$1,424/mo
Deposit HK$536K · loan HK$4.83M · min. income ≈ HK$46,794/mo (50% DSR)
Upfront cash ≈ HK$657K (deposit + AVD stamp duty HK$120,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,493
−HK$1,324/mo
▼ 0.25% · 3.875%
HK$25,150
−HK$667/mo
Today · 4.125%
HK$25,817
baseline
▲ 0.50% · 4.625%
HK$27,177
+HK$1,360/mo
Deposit HK$536K · loan HK$4.83M · min. income ≈ HK$51,634/mo (50% DSR)
Upfront cash ≈ HK$657K (deposit + AVD stamp duty HK$120,692 · 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).