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$12,235
−HK$767/mo
▼ 0.25% · 3.875%
HK$12,616
−HK$386/mo
Today · 4.125%
HK$13,002
baseline
▲ 0.50% · 4.625%
HK$13,794
+HK$792/mo
Deposit HK$2.68M · loan HK$2.68M · min. income ≈ HK$26,004/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$120,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,611
−HK$736/mo
▼ 0.25% · 3.875%
HK$13,977
−HK$370/mo
Today · 4.125%
HK$14,347
baseline
▲ 0.50% · 4.625%
HK$15,103
+HK$756/mo
Deposit HK$2.68M · loan HK$2.68M · min. income ≈ HK$28,694/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$120,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,682
−HK$921/mo
▼ 0.25% · 3.875%
HK$15,139
−HK$464/mo
Today · 4.125%
HK$15,603
baseline
▲ 0.50% · 4.625%
HK$16,552
+HK$949/mo
Deposit HK$2.15M · loan HK$3.22M · min. income ≈ HK$31,206/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$120,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,334
−HK$882/mo
▼ 0.25% · 3.875%
HK$16,772
−HK$444/mo
Today · 4.125%
HK$17,216
baseline
▲ 0.50% · 4.625%
HK$18,124
+HK$908/mo
Deposit HK$2.15M · loan HK$3.22M · min. income ≈ HK$34,432/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$120,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,129
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$17,662
−HK$541/mo
Today · 4.125%
HK$18,203
baseline
▲ 0.50% · 4.625%
HK$19,311
+HK$1,108/mo
Deposit HK$1.61M · loan HK$3.76M · min. income ≈ HK$36,406/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,056
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$19,567
−HK$519/mo
Today · 4.125%
HK$20,086
baseline
▲ 0.50% · 4.625%
HK$21,144
+HK$1,058/mo
Deposit HK$1.61M · loan HK$3.76M · min. income ≈ HK$40,172/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,023
−HK$1,381/mo
▼ 0.25% · 3.875%
HK$22,708
−HK$696/mo
Today · 4.125%
HK$23,404
baseline
▲ 0.50% · 4.625%
HK$24,828
+HK$1,424/mo
Deposit HK$537K · loan HK$4.83M · min. income ≈ HK$46,808/mo (50% DSR)
Upfront cash ≈ HK$657K (deposit + AVD stamp duty HK$120,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,501
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$25,158
−HK$666/mo
Today · 4.125%
HK$25,824
baseline
▲ 0.50% · 4.625%
HK$27,186
+HK$1,362/mo
Deposit HK$537K · loan HK$4.83M · min. income ≈ HK$51,648/mo (50% DSR)
Upfront cash ≈ HK$657K (deposit + AVD stamp duty HK$120,729 · 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).