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$12,240
−HK$768/mo
▼ 0.25% · 3.875%
HK$12,621
−HK$387/mo
Today · 4.125%
HK$13,008
baseline
▲ 0.50% · 4.625%
HK$13,799
+HK$791/mo
Deposit HK$2.68M · loan HK$2.68M · min. income ≈ HK$26,016/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$120,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,617
−HK$736/mo
▼ 0.25% · 3.875%
HK$13,982
−HK$371/mo
Today · 4.125%
HK$14,353
baseline
▲ 0.50% · 4.625%
HK$15,110
+HK$757/mo
Deposit HK$2.68M · loan HK$2.68M · min. income ≈ HK$28,706/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$120,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,688
−HK$921/mo
▼ 0.25% · 3.875%
HK$15,145
−HK$464/mo
Today · 4.125%
HK$15,609
baseline
▲ 0.50% · 4.625%
HK$16,559
+HK$950/mo
Deposit HK$2.15M · loan HK$3.22M · min. income ≈ HK$31,218/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$120,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,341
−HK$883/mo
▼ 0.25% · 3.875%
HK$16,779
−HK$445/mo
Today · 4.125%
HK$17,224
baseline
▲ 0.50% · 4.625%
HK$18,131
+HK$907/mo
Deposit HK$2.15M · loan HK$3.22M · min. income ≈ HK$34,448/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$120,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,136
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$17,670
−HK$541/mo
Today · 4.125%
HK$18,211
baseline
▲ 0.50% · 4.625%
HK$19,319
+HK$1,108/mo
Deposit HK$1.61M · loan HK$3.76M · min. income ≈ HK$36,422/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,064
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$19,575
−HK$519/mo
Today · 4.125%
HK$20,094
baseline
▲ 0.50% · 4.625%
HK$21,153
+HK$1,059/mo
Deposit HK$1.61M · loan HK$3.76M · min. income ≈ HK$40,188/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,033
−HK$1,381/mo
▼ 0.25% · 3.875%
HK$22,718
−HK$696/mo
Today · 4.125%
HK$23,414
baseline
▲ 0.50% · 4.625%
HK$24,839
+HK$1,425/mo
Deposit HK$537K · loan HK$4.83M · min. income ≈ HK$46,828/mo (50% DSR)
Upfront cash ≈ HK$658K (deposit + AVD stamp duty HK$120,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,511
−HK$1,324/mo
▼ 0.25% · 3.875%
HK$25,168
−HK$667/mo
Today · 4.125%
HK$25,835
baseline
▲ 0.50% · 4.625%
HK$27,197
+HK$1,362/mo
Deposit HK$537K · loan HK$4.83M · min. income ≈ HK$51,670/mo (50% DSR)
Upfront cash ≈ HK$658K (deposit + AVD stamp duty HK$120,780 · 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).