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$12,127
−HK$760/mo
▼ 0.25% · 3.875%
HK$12,504
−HK$383/mo
Today · 4.125%
HK$12,887
baseline
▲ 0.50% · 4.625%
HK$13,671
+HK$784/mo
Deposit HK$2.66M · loan HK$2.66M · min. income ≈ HK$25,774/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$119,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,491
−HK$729/mo
▼ 0.25% · 3.875%
HK$13,853
−HK$367/mo
Today · 4.125%
HK$14,220
baseline
▲ 0.50% · 4.625%
HK$14,969
+HK$749/mo
Deposit HK$2.66M · loan HK$2.66M · min. income ≈ HK$28,440/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$119,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,552
−HK$913/mo
▼ 0.25% · 3.875%
HK$15,005
−HK$460/mo
Today · 4.125%
HK$15,465
baseline
▲ 0.50% · 4.625%
HK$16,406
+HK$941/mo
Deposit HK$2.13M · loan HK$3.19M · min. income ≈ HK$30,930/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$119,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,189
−HK$875/mo
▼ 0.25% · 3.875%
HK$16,623
−HK$441/mo
Today · 4.125%
HK$17,064
baseline
▲ 0.50% · 4.625%
HK$17,963
+HK$899/mo
Deposit HK$2.13M · loan HK$3.19M · min. income ≈ HK$34,128/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$119,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,978
−HK$1,064/mo
▼ 0.25% · 3.875%
HK$17,506
−HK$536/mo
Today · 4.125%
HK$18,042
baseline
▲ 0.50% · 4.625%
HK$19,140
+HK$1,098/mo
Deposit HK$1.60M · loan HK$3.72M · min. income ≈ HK$36,084/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$119,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,887
−HK$1,021/mo
▼ 0.25% · 3.875%
HK$19,394
−HK$514/mo
Today · 4.125%
HK$19,908
baseline
▲ 0.50% · 4.625%
HK$20,957
+HK$1,049/mo
Deposit HK$1.60M · loan HK$3.72M · min. income ≈ HK$39,816/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$119,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,828
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$22,507
−HK$690/mo
Today · 4.125%
HK$23,197
baseline
▲ 0.50% · 4.625%
HK$24,609
+HK$1,412/mo
Deposit HK$532K · loan HK$4.79M · min. income ≈ HK$46,394/mo (50% DSR)
Upfront cash ≈ HK$651K (deposit + AVD stamp duty HK$119,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,284
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$24,935
−HK$661/mo
Today · 4.125%
HK$25,596
baseline
▲ 0.50% · 4.625%
HK$26,945
+HK$1,349/mo
Deposit HK$532K · loan HK$4.79M · min. income ≈ HK$51,192/mo (50% DSR)
Upfront cash ≈ HK$651K (deposit + AVD stamp duty HK$119,660 · 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).