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$12,265
−HK$769/mo
▼ 0.25% · 3.875%
HK$12,646
−HK$388/mo
Today · 4.125%
HK$13,034
baseline
▲ 0.50% · 4.625%
HK$13,827
+HK$793/mo
Deposit HK$2.69M · loan HK$2.69M · min. income ≈ HK$26,068/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$121,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,645
−HK$737/mo
▼ 0.25% · 3.875%
HK$14,011
−HK$371/mo
Today · 4.125%
HK$14,382
baseline
▲ 0.50% · 4.625%
HK$15,140
+HK$758/mo
Deposit HK$2.69M · loan HK$2.69M · min. income ≈ HK$28,764/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$121,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,718
−HK$923/mo
▼ 0.25% · 3.875%
HK$15,176
−HK$465/mo
Today · 4.125%
HK$15,641
baseline
▲ 0.50% · 4.625%
HK$16,593
+HK$952/mo
Deposit HK$2.15M · loan HK$3.23M · min. income ≈ HK$31,282/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$121,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,374
−HK$884/mo
▼ 0.25% · 3.875%
HK$16,813
−HK$445/mo
Today · 4.125%
HK$17,258
baseline
▲ 0.50% · 4.625%
HK$18,168
+HK$910/mo
Deposit HK$2.15M · loan HK$3.23M · min. income ≈ HK$34,516/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$121,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,171
−HK$1,077/mo
▼ 0.25% · 3.875%
HK$17,705
−HK$543/mo
Today · 4.125%
HK$18,248
baseline
▲ 0.50% · 4.625%
HK$19,358
+HK$1,110/mo
Deposit HK$1.61M · loan HK$3.77M · min. income ≈ HK$36,496/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$121,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,102
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$19,615
−HK$520/mo
Today · 4.125%
HK$20,135
baseline
▲ 0.50% · 4.625%
HK$21,196
+HK$1,061/mo
Deposit HK$1.61M · loan HK$3.77M · min. income ≈ HK$40,270/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$121,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,077
−HK$1,384/mo
▼ 0.25% · 3.875%
HK$22,764
−HK$697/mo
Today · 4.125%
HK$23,461
baseline
▲ 0.50% · 4.625%
HK$24,889
+HK$1,428/mo
Deposit HK$538K · loan HK$4.84M · min. income ≈ HK$46,922/mo (50% DSR)
Upfront cash ≈ HK$659K (deposit + AVD stamp duty HK$121,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,560
−HK$1,327/mo
▼ 0.25% · 3.875%
HK$25,219
−HK$668/mo
Today · 4.125%
HK$25,887
baseline
▲ 0.50% · 4.625%
HK$27,252
+HK$1,365/mo
Deposit HK$538K · loan HK$4.84M · min. income ≈ HK$51,774/mo (50% DSR)
Upfront cash ≈ HK$659K (deposit + AVD stamp duty HK$121,022 · 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).