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$12,211
−HK$765/mo
▼ 0.25% · 3.875%
HK$12,591
−HK$385/mo
Today · 4.125%
HK$12,976
baseline
▲ 0.50% · 4.625%
HK$13,766
+HK$790/mo
Deposit HK$2.68M · loan HK$2.68M · min. income ≈ HK$25,952/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$120,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,584
−HK$734/mo
▼ 0.25% · 3.875%
HK$13,949
−HK$369/mo
Today · 4.125%
HK$14,318
baseline
▲ 0.50% · 4.625%
HK$15,073
+HK$755/mo
Deposit HK$2.68M · loan HK$2.68M · min. income ≈ HK$28,636/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$120,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,653
−HK$919/mo
▼ 0.25% · 3.875%
HK$15,109
−HK$463/mo
Today · 4.125%
HK$15,572
baseline
▲ 0.50% · 4.625%
HK$16,519
+HK$947/mo
Deposit HK$2.14M · loan HK$3.21M · min. income ≈ HK$31,144/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,301
−HK$881/mo
▼ 0.25% · 3.875%
HK$16,738
−HK$444/mo
Today · 4.125%
HK$17,182
baseline
▲ 0.50% · 4.625%
HK$18,088
+HK$906/mo
Deposit HK$2.14M · loan HK$3.21M · min. income ≈ HK$34,364/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,095
−HK$1,072/mo
▼ 0.25% · 3.875%
HK$17,627
−HK$540/mo
Today · 4.125%
HK$18,167
baseline
▲ 0.50% · 4.625%
HK$19,272
+HK$1,105/mo
Deposit HK$1.61M · loan HK$3.75M · min. income ≈ HK$36,334/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,018
−HK$1,028/mo
▼ 0.25% · 3.875%
HK$19,528
−HK$518/mo
Today · 4.125%
HK$20,046
baseline
▲ 0.50% · 4.625%
HK$21,102
+HK$1,056/mo
Deposit HK$1.61M · loan HK$3.75M · min. income ≈ HK$40,092/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,979
−HK$1,379/mo
▼ 0.25% · 3.875%
HK$22,663
−HK$695/mo
Today · 4.125%
HK$23,358
baseline
▲ 0.50% · 4.625%
HK$24,779
+HK$1,421/mo
Deposit HK$535K · loan HK$4.82M · min. income ≈ HK$46,716/mo (50% DSR)
Upfront cash ≈ HK$656K (deposit + AVD stamp duty HK$120,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,452
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$25,108
−HK$665/mo
Today · 4.125%
HK$25,773
baseline
▲ 0.50% · 4.625%
HK$27,131
+HK$1,358/mo
Deposit HK$535K · loan HK$4.82M · min. income ≈ HK$51,546/mo (50% DSR)
Upfront cash ≈ HK$656K (deposit + AVD stamp duty HK$120,487 · 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).