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$12,266
−HK$770/mo
▼ 0.25% · 3.875%
HK$12,648
−HK$388/mo
Today · 4.125%
HK$13,036
baseline
▲ 0.50% · 4.625%
HK$13,829
+HK$793/mo
Deposit HK$2.69M · loan HK$2.69M · min. income ≈ HK$26,072/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$121,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,646
−HK$738/mo
▼ 0.25% · 3.875%
HK$14,012
−HK$372/mo
Today · 4.125%
HK$14,384
baseline
▲ 0.50% · 4.625%
HK$15,142
+HK$758/mo
Deposit HK$2.69M · loan HK$2.69M · min. income ≈ HK$28,768/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$121,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,720
−HK$923/mo
▼ 0.25% · 3.875%
HK$15,178
−HK$465/mo
Today · 4.125%
HK$15,643
baseline
▲ 0.50% · 4.625%
HK$16,595
+HK$952/mo
Deposit HK$2.15M · loan HK$3.23M · min. income ≈ HK$31,286/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$121,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,376
−HK$884/mo
▼ 0.25% · 3.875%
HK$16,815
−HK$445/mo
Today · 4.125%
HK$17,260
baseline
▲ 0.50% · 4.625%
HK$18,170
+HK$910/mo
Deposit HK$2.15M · loan HK$3.23M · min. income ≈ HK$34,520/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$121,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,173
−HK$1,077/mo
▼ 0.25% · 3.875%
HK$17,707
−HK$543/mo
Today · 4.125%
HK$18,250
baseline
▲ 0.50% · 4.625%
HK$19,360
+HK$1,110/mo
Deposit HK$1.61M · loan HK$3.77M · min. income ≈ HK$36,500/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$121,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,105
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$19,617
−HK$520/mo
Today · 4.125%
HK$20,137
baseline
▲ 0.50% · 4.625%
HK$21,199
+HK$1,062/mo
Deposit HK$1.61M · loan HK$3.77M · min. income ≈ HK$40,274/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$121,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,080
−HK$1,384/mo
▼ 0.25% · 3.875%
HK$22,766
−HK$698/mo
Today · 4.125%
HK$23,464
baseline
▲ 0.50% · 4.625%
HK$24,892
+HK$1,428/mo
Deposit HK$538K · loan HK$4.84M · min. income ≈ HK$46,928/mo (50% DSR)
Upfront cash ≈ HK$659K (deposit + AVD stamp duty HK$121,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,563
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$25,222
−HK$669/mo
Today · 4.125%
HK$25,891
baseline
▲ 0.50% · 4.625%
HK$27,255
+HK$1,364/mo
Deposit HK$538K · loan HK$4.84M · min. income ≈ HK$51,782/mo (50% DSR)
Upfront cash ≈ HK$659K (deposit + AVD stamp duty HK$121,038 · 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).