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$12,259
−HK$769/mo
▼ 0.25% · 3.875%
HK$12,640
−HK$388/mo
Today · 4.125%
HK$13,028
baseline
▲ 0.50% · 4.625%
HK$13,820
+HK$792/mo
Deposit HK$2.69M · loan HK$2.69M · min. income ≈ HK$26,056/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$120,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,638
−HK$737/mo
▼ 0.25% · 3.875%
HK$14,004
−HK$371/mo
Today · 4.125%
HK$14,375
baseline
▲ 0.50% · 4.625%
HK$15,132
+HK$757/mo
Deposit HK$2.69M · loan HK$2.69M · min. income ≈ HK$28,750/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$120,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,711
−HK$922/mo
▼ 0.25% · 3.875%
HK$15,168
−HK$465/mo
Today · 4.125%
HK$15,633
baseline
▲ 0.50% · 4.625%
HK$16,584
+HK$951/mo
Deposit HK$2.15M · loan HK$3.23M · min. income ≈ HK$31,266/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$120,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,365
−HK$885/mo
▼ 0.25% · 3.875%
HK$16,804
−HK$446/mo
Today · 4.125%
HK$17,250
baseline
▲ 0.50% · 4.625%
HK$18,159
+HK$909/mo
Deposit HK$2.15M · loan HK$3.23M · min. income ≈ HK$34,500/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$120,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,162
−HK$1,077/mo
▼ 0.25% · 3.875%
HK$17,696
−HK$543/mo
Today · 4.125%
HK$18,239
baseline
▲ 0.50% · 4.625%
HK$19,348
+HK$1,109/mo
Deposit HK$1.61M · loan HK$3.76M · min. income ≈ HK$36,478/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,093
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$19,605
−HK$519/mo
Today · 4.125%
HK$20,124
baseline
▲ 0.50% · 4.625%
HK$21,185
+HK$1,061/mo
Deposit HK$1.61M · loan HK$3.76M · min. income ≈ HK$40,248/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,066
−HK$1,384/mo
▼ 0.25% · 3.875%
HK$22,752
−HK$698/mo
Today · 4.125%
HK$23,450
baseline
▲ 0.50% · 4.625%
HK$24,876
+HK$1,426/mo
Deposit HK$538K · loan HK$4.84M · min. income ≈ HK$46,900/mo (50% DSR)
Upfront cash ≈ HK$659K (deposit + AVD stamp duty HK$120,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,548
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$25,206
−HK$668/mo
Today · 4.125%
HK$25,874
baseline
▲ 0.50% · 4.625%
HK$27,238
+HK$1,364/mo
Deposit HK$538K · loan HK$4.84M · min. income ≈ HK$51,748/mo (50% DSR)
Upfront cash ≈ HK$659K (deposit + AVD stamp duty HK$120,962 · 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).