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$12,247
−HK$768/mo
▼ 0.25% · 3.875%
HK$12,628
−HK$387/mo
Today · 4.125%
HK$13,015
baseline
▲ 0.50% · 4.625%
HK$13,807
+HK$792/mo
Deposit HK$2.69M · loan HK$2.69M · min. income ≈ HK$26,030/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$120,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,625
−HK$736/mo
▼ 0.25% · 3.875%
HK$13,990
−HK$371/mo
Today · 4.125%
HK$14,361
baseline
▲ 0.50% · 4.625%
HK$15,118
+HK$757/mo
Deposit HK$2.69M · loan HK$2.69M · min. income ≈ HK$28,722/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$120,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,697
−HK$921/mo
▼ 0.25% · 3.875%
HK$15,154
−HK$464/mo
Today · 4.125%
HK$15,618
baseline
▲ 0.50% · 4.625%
HK$16,569
+HK$951/mo
Deposit HK$2.15M · loan HK$3.22M · min. income ≈ HK$31,236/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$120,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,350
−HK$883/mo
▼ 0.25% · 3.875%
HK$16,788
−HK$445/mo
Today · 4.125%
HK$17,233
baseline
▲ 0.50% · 4.625%
HK$18,142
+HK$909/mo
Deposit HK$2.15M · loan HK$3.22M · min. income ≈ HK$34,466/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$120,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,146
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$17,679
−HK$542/mo
Today · 4.125%
HK$18,221
baseline
▲ 0.50% · 4.625%
HK$19,330
+HK$1,109/mo
Deposit HK$1.61M · loan HK$3.76M · min. income ≈ HK$36,442/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,075
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$19,586
−HK$519/mo
Today · 4.125%
HK$20,105
baseline
▲ 0.50% · 4.625%
HK$21,165
+HK$1,060/mo
Deposit HK$1.61M · loan HK$3.76M · min. income ≈ HK$40,210/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,045
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$22,731
−HK$696/mo
Today · 4.125%
HK$23,427
baseline
▲ 0.50% · 4.625%
HK$24,853
+HK$1,426/mo
Deposit HK$537K · loan HK$4.83M · min. income ≈ HK$46,854/mo (50% DSR)
Upfront cash ≈ HK$658K (deposit + AVD stamp duty HK$120,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,525
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$25,183
−HK$667/mo
Today · 4.125%
HK$25,850
baseline
▲ 0.50% · 4.625%
HK$27,212
+HK$1,362/mo
Deposit HK$537K · loan HK$4.83M · min. income ≈ HK$51,700/mo (50% DSR)
Upfront cash ≈ HK$658K (deposit + AVD stamp duty HK$120,848 · 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).