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$12,186
−HK$765/mo
▼ 0.25% · 3.875%
HK$12,566
−HK$385/mo
Today · 4.125%
HK$12,951
baseline
▲ 0.50% · 4.625%
HK$13,739
+HK$788/mo
Deposit HK$2.67M · loan HK$2.67M · min. income ≈ HK$25,902/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$120,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,557
−HK$733/mo
▼ 0.25% · 3.875%
HK$13,921
−HK$369/mo
Today · 4.125%
HK$14,290
baseline
▲ 0.50% · 4.625%
HK$15,043
+HK$753/mo
Deposit HK$2.67M · loan HK$2.67M · min. income ≈ HK$28,580/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$120,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,624
−HK$917/mo
▼ 0.25% · 3.875%
HK$15,079
−HK$462/mo
Today · 4.125%
HK$15,541
baseline
▲ 0.50% · 4.625%
HK$16,486
+HK$945/mo
Deposit HK$2.14M · loan HK$3.21M · min. income ≈ HK$31,082/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,269
−HK$879/mo
▼ 0.25% · 3.875%
HK$16,705
−HK$443/mo
Today · 4.125%
HK$17,148
baseline
▲ 0.50% · 4.625%
HK$18,052
+HK$904/mo
Deposit HK$2.14M · loan HK$3.21M · min. income ≈ HK$34,296/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,061
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$17,592
−HK$539/mo
Today · 4.125%
HK$18,131
baseline
▲ 0.50% · 4.625%
HK$19,234
+HK$1,103/mo
Deposit HK$1.60M · loan HK$3.74M · min. income ≈ HK$36,262/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$120,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,980
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$19,489
−HK$517/mo
Today · 4.125%
HK$20,006
baseline
▲ 0.50% · 4.625%
HK$21,060
+HK$1,054/mo
Deposit HK$1.60M · loan HK$3.74M · min. income ≈ HK$40,012/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$120,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,936
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$22,618
−HK$693/mo
Today · 4.125%
HK$23,311
baseline
▲ 0.50% · 4.625%
HK$24,730
+HK$1,419/mo
Deposit HK$534K · loan HK$4.81M · min. income ≈ HK$46,622/mo (50% DSR)
Upfront cash ≈ HK$655K (deposit + AVD stamp duty HK$120,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,403
−HK$1,319/mo
▼ 0.25% · 3.875%
HK$25,058
−HK$664/mo
Today · 4.125%
HK$25,722
baseline
▲ 0.50% · 4.625%
HK$27,077
+HK$1,355/mo
Deposit HK$534K · loan HK$4.81M · min. income ≈ HK$51,444/mo (50% DSR)
Upfront cash ≈ HK$655K (deposit + AVD stamp duty HK$120,248 · 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).