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$12,286
−HK$771/mo
▼ 0.25% · 3.875%
HK$12,668
−HK$389/mo
Today · 4.125%
HK$13,057
baseline
▲ 0.50% · 4.625%
HK$13,851
+HK$794/mo
Deposit HK$2.69M · loan HK$2.69M · min. income ≈ HK$26,114/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$121,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,668
−HK$739/mo
▼ 0.25% · 3.875%
HK$14,035
−HK$372/mo
Today · 4.125%
HK$14,407
baseline
▲ 0.50% · 4.625%
HK$15,166
+HK$759/mo
Deposit HK$2.69M · loan HK$2.69M · min. income ≈ HK$28,814/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$121,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,743
−HK$925/mo
▼ 0.25% · 3.875%
HK$15,202
−HK$466/mo
Today · 4.125%
HK$15,668
baseline
▲ 0.50% · 4.625%
HK$16,621
+HK$953/mo
Deposit HK$2.16M · loan HK$3.23M · min. income ≈ HK$31,336/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,402
−HK$886/mo
▼ 0.25% · 3.875%
HK$16,842
−HK$446/mo
Today · 4.125%
HK$17,288
baseline
▲ 0.50% · 4.625%
HK$18,199
+HK$911/mo
Deposit HK$2.16M · loan HK$3.23M · min. income ≈ HK$34,576/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,201
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$17,736
−HK$543/mo
Today · 4.125%
HK$18,279
baseline
▲ 0.50% · 4.625%
HK$19,391
+HK$1,112/mo
Deposit HK$1.62M · loan HK$3.77M · min. income ≈ HK$36,558/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,135
−HK$1,034/mo
▼ 0.25% · 3.875%
HK$19,649
−HK$520/mo
Today · 4.125%
HK$20,169
baseline
▲ 0.50% · 4.625%
HK$21,232
+HK$1,063/mo
Deposit HK$1.62M · loan HK$3.77M · min. income ≈ HK$40,338/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,115
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$22,803
−HK$699/mo
Today · 4.125%
HK$23,502
baseline
▲ 0.50% · 4.625%
HK$24,932
+HK$1,430/mo
Deposit HK$539K · loan HK$4.85M · min. income ≈ HK$47,004/mo (50% DSR)
Upfront cash ≈ HK$660K (deposit + AVD stamp duty HK$121,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,603
−HK$1,329/mo
▼ 0.25% · 3.875%
HK$25,263
−HK$669/mo
Today · 4.125%
HK$25,932
baseline
▲ 0.50% · 4.625%
HK$27,299
+HK$1,367/mo
Deposit HK$539K · loan HK$4.85M · min. income ≈ HK$51,864/mo (50% DSR)
Upfront cash ≈ HK$660K (deposit + AVD stamp duty HK$121,232 · 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).