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$12,140
−HK$761/mo
▼ 0.25% · 3.875%
HK$12,518
−HK$383/mo
Today · 4.125%
HK$12,901
baseline
▲ 0.50% · 4.625%
HK$13,686
+HK$785/mo
Deposit HK$2.66M · loan HK$2.66M · min. income ≈ HK$25,802/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$119,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,506
−HK$729/mo
▼ 0.25% · 3.875%
HK$13,868
−HK$367/mo
Today · 4.125%
HK$14,235
baseline
▲ 0.50% · 4.625%
HK$14,986
+HK$751/mo
Deposit HK$2.66M · loan HK$2.66M · min. income ≈ HK$28,470/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$119,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,568
−HK$914/mo
▼ 0.25% · 3.875%
HK$15,021
−HK$461/mo
Today · 4.125%
HK$15,482
baseline
▲ 0.50% · 4.625%
HK$16,424
+HK$942/mo
Deposit HK$2.13M · loan HK$3.19M · min. income ≈ HK$30,964/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$119,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,207
−HK$875/mo
▼ 0.25% · 3.875%
HK$16,642
−HK$440/mo
Today · 4.125%
HK$17,082
baseline
▲ 0.50% · 4.625%
HK$17,983
+HK$901/mo
Deposit HK$2.13M · loan HK$3.19M · min. income ≈ HK$34,164/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$119,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,996
−HK$1,066/mo
▼ 0.25% · 3.875%
HK$17,525
−HK$537/mo
Today · 4.125%
HK$18,062
baseline
▲ 0.50% · 4.625%
HK$19,161
+HK$1,099/mo
Deposit HK$1.60M · loan HK$3.73M · min. income ≈ HK$36,124/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$119,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,908
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$19,415
−HK$515/mo
Today · 4.125%
HK$19,930
baseline
▲ 0.50% · 4.625%
HK$20,980
+HK$1,050/mo
Deposit HK$1.60M · loan HK$3.73M · min. income ≈ HK$39,860/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$119,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,852
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$22,532
−HK$690/mo
Today · 4.125%
HK$23,222
baseline
▲ 0.50% · 4.625%
HK$24,635
+HK$1,413/mo
Deposit HK$532K · loan HK$4.79M · min. income ≈ HK$46,444/mo (50% DSR)
Upfront cash ≈ HK$652K (deposit + AVD stamp duty HK$119,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,310
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$24,962
−HK$662/mo
Today · 4.125%
HK$25,624
baseline
▲ 0.50% · 4.625%
HK$26,974
+HK$1,350/mo
Deposit HK$532K · loan HK$4.79M · min. income ≈ HK$51,248/mo (50% DSR)
Upfront cash ≈ HK$652K (deposit + AVD stamp duty HK$119,790 · 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).