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$12,166
−HK$763/mo
▼ 0.25% · 3.875%
HK$12,544
−HK$385/mo
Today · 4.125%
HK$12,929
baseline
▲ 0.50% · 4.625%
HK$13,716
+HK$787/mo
Deposit HK$2.67M · loan HK$2.67M · min. income ≈ HK$25,858/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$120,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,535
−HK$731/mo
▼ 0.25% · 3.875%
HK$13,898
−HK$368/mo
Today · 4.125%
HK$14,266
baseline
▲ 0.50% · 4.625%
HK$15,018
+HK$752/mo
Deposit HK$2.67M · loan HK$2.67M · min. income ≈ HK$28,532/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$120,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,599
−HK$916/mo
▼ 0.25% · 3.875%
HK$15,053
−HK$462/mo
Today · 4.125%
HK$15,515
baseline
▲ 0.50% · 4.625%
HK$16,459
+HK$944/mo
Deposit HK$2.13M · loan HK$3.20M · min. income ≈ HK$31,030/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$120,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,241
−HK$878/mo
▼ 0.25% · 3.875%
HK$16,677
−HK$442/mo
Today · 4.125%
HK$17,119
baseline
▲ 0.50% · 4.625%
HK$18,021
+HK$902/mo
Deposit HK$2.13M · loan HK$3.20M · min. income ≈ HK$34,238/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$120,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,032
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$17,562
−HK$538/mo
Today · 4.125%
HK$18,100
baseline
▲ 0.50% · 4.625%
HK$19,202
+HK$1,102/mo
Deposit HK$1.60M · loan HK$3.73M · min. income ≈ HK$36,200/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$120,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,948
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$19,457
−HK$515/mo
Today · 4.125%
HK$19,972
baseline
▲ 0.50% · 4.625%
HK$21,025
+HK$1,053/mo
Deposit HK$1.60M · loan HK$3.73M · min. income ≈ HK$39,944/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$120,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,899
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$22,580
−HK$692/mo
Today · 4.125%
HK$23,272
baseline
▲ 0.50% · 4.625%
HK$24,688
+HK$1,416/mo
Deposit HK$534K · loan HK$4.80M · min. income ≈ HK$46,544/mo (50% DSR)
Upfront cash ≈ HK$654K (deposit + AVD stamp duty HK$120,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,362
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$25,016
−HK$662/mo
Today · 4.125%
HK$25,678
baseline
▲ 0.50% · 4.625%
HK$27,032
+HK$1,354/mo
Deposit HK$534K · loan HK$4.80M · min. income ≈ HK$51,356/mo (50% DSR)
Upfront cash ≈ HK$654K (deposit + AVD stamp duty HK$120,046 · 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).