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$12,125
−HK$760/mo
▼ 0.25% · 3.875%
HK$12,502
−HK$383/mo
Today · 4.125%
HK$12,885
baseline
▲ 0.50% · 4.625%
HK$13,669
+HK$784/mo
Deposit HK$2.66M · loan HK$2.66M · min. income ≈ HK$25,770/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$119,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,489
−HK$729/mo
▼ 0.25% · 3.875%
HK$13,851
−HK$367/mo
Today · 4.125%
HK$14,218
baseline
▲ 0.50% · 4.625%
HK$14,967
+HK$749/mo
Deposit HK$2.66M · loan HK$2.66M · min. income ≈ HK$28,436/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$119,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,550
−HK$912/mo
▼ 0.25% · 3.875%
HK$15,002
−HK$460/mo
Today · 4.125%
HK$15,462
baseline
▲ 0.50% · 4.625%
HK$16,403
+HK$941/mo
Deposit HK$2.13M · loan HK$3.19M · min. income ≈ HK$30,924/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$119,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,187
−HK$874/mo
▼ 0.25% · 3.875%
HK$16,621
−HK$440/mo
Today · 4.125%
HK$17,061
baseline
▲ 0.50% · 4.625%
HK$17,960
+HK$899/mo
Deposit HK$2.13M · loan HK$3.19M · min. income ≈ HK$34,122/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$119,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,975
−HK$1,064/mo
▼ 0.25% · 3.875%
HK$17,503
−HK$536/mo
Today · 4.125%
HK$18,039
baseline
▲ 0.50% · 4.625%
HK$19,137
+HK$1,098/mo
Deposit HK$1.60M · loan HK$3.72M · min. income ≈ HK$36,078/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,884
−HK$1,021/mo
▼ 0.25% · 3.875%
HK$19,391
−HK$514/mo
Today · 4.125%
HK$19,905
baseline
▲ 0.50% · 4.625%
HK$20,954
+HK$1,049/mo
Deposit HK$1.60M · loan HK$3.72M · min. income ≈ HK$39,810/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,825
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$22,504
−HK$689/mo
Today · 4.125%
HK$23,193
baseline
▲ 0.50% · 4.625%
HK$24,605
+HK$1,412/mo
Deposit HK$532K · loan HK$4.79M · min. income ≈ HK$46,386/mo (50% DSR)
Upfront cash ≈ HK$651K (deposit + AVD stamp duty HK$119,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,280
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$24,931
−HK$661/mo
Today · 4.125%
HK$25,592
baseline
▲ 0.50% · 4.625%
HK$26,941
+HK$1,349/mo
Deposit HK$532K · loan HK$4.79M · min. income ≈ HK$51,184/mo (50% DSR)
Upfront cash ≈ HK$651K (deposit + AVD stamp duty HK$119,640 · 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).