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$12,136
−HK$761/mo
▼ 0.25% · 3.875%
HK$12,513
−HK$384/mo
Today · 4.125%
HK$12,897
baseline
▲ 0.50% · 4.625%
HK$13,681
+HK$784/mo
Deposit HK$2.66M · loan HK$2.66M · min. income ≈ HK$25,794/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$119,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,501
−HK$729/mo
▼ 0.25% · 3.875%
HK$13,863
−HK$367/mo
Today · 4.125%
HK$14,230
baseline
▲ 0.50% · 4.625%
HK$14,980
+HK$750/mo
Deposit HK$2.66M · loan HK$2.66M · min. income ≈ HK$28,460/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$119,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,563
−HK$913/mo
▼ 0.25% · 3.875%
HK$15,016
−HK$460/mo
Today · 4.125%
HK$15,476
baseline
▲ 0.50% · 4.625%
HK$16,418
+HK$942/mo
Deposit HK$2.13M · loan HK$3.19M · min. income ≈ HK$30,952/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$119,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,201
−HK$875/mo
▼ 0.25% · 3.875%
HK$16,635
−HK$441/mo
Today · 4.125%
HK$17,076
baseline
▲ 0.50% · 4.625%
HK$17,976
+HK$900/mo
Deposit HK$2.13M · loan HK$3.19M · min. income ≈ HK$34,152/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$119,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,990
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$17,518
−HK$537/mo
Today · 4.125%
HK$18,055
baseline
▲ 0.50% · 4.625%
HK$19,154
+HK$1,099/mo
Deposit HK$1.60M · loan HK$3.73M · min. income ≈ HK$36,110/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$119,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,901
−HK$1,021/mo
▼ 0.25% · 3.875%
HK$19,408
−HK$514/mo
Today · 4.125%
HK$19,922
baseline
▲ 0.50% · 4.625%
HK$20,972
+HK$1,050/mo
Deposit HK$1.60M · loan HK$3.73M · min. income ≈ HK$39,844/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$119,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,844
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$22,524
−HK$690/mo
Today · 4.125%
HK$23,214
baseline
▲ 0.50% · 4.625%
HK$24,626
+HK$1,412/mo
Deposit HK$532K · loan HK$4.79M · min. income ≈ HK$46,428/mo (50% DSR)
Upfront cash ≈ HK$652K (deposit + AVD stamp duty HK$119,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,301
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$24,953
−HK$661/mo
Today · 4.125%
HK$25,614
baseline
▲ 0.50% · 4.625%
HK$26,964
+HK$1,350/mo
Deposit HK$532K · loan HK$4.79M · min. income ≈ HK$51,228/mo (50% DSR)
Upfront cash ≈ HK$652K (deposit + AVD stamp duty HK$119,746 · 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).