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$12,223
−HK$766/mo
▼ 0.25% · 3.875%
HK$12,603
−HK$386/mo
Today · 4.125%
HK$12,989
baseline
▲ 0.50% · 4.625%
HK$13,780
+HK$791/mo
Deposit HK$2.68M · loan HK$2.68M · min. income ≈ HK$25,978/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$120,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,598
−HK$734/mo
▼ 0.25% · 3.875%
HK$13,963
−HK$369/mo
Today · 4.125%
HK$14,332
baseline
▲ 0.50% · 4.625%
HK$15,088
+HK$756/mo
Deposit HK$2.68M · loan HK$2.68M · min. income ≈ HK$28,664/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$120,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,667
−HK$920/mo
▼ 0.25% · 3.875%
HK$15,124
−HK$463/mo
Today · 4.125%
HK$15,587
baseline
▲ 0.50% · 4.625%
HK$16,536
+HK$949/mo
Deposit HK$2.14M · loan HK$3.22M · min. income ≈ HK$31,174/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,317
−HK$882/mo
▼ 0.25% · 3.875%
HK$16,755
−HK$444/mo
Today · 4.125%
HK$17,199
baseline
▲ 0.50% · 4.625%
HK$18,106
+HK$907/mo
Deposit HK$2.14M · loan HK$3.22M · min. income ≈ HK$34,398/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,112
−HK$1,073/mo
▼ 0.25% · 3.875%
HK$17,644
−HK$541/mo
Today · 4.125%
HK$18,185
baseline
▲ 0.50% · 4.625%
HK$19,292
+HK$1,107/mo
Deposit HK$1.61M · loan HK$3.75M · min. income ≈ HK$36,370/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,037
−HK$1,028/mo
▼ 0.25% · 3.875%
HK$19,548
−HK$517/mo
Today · 4.125%
HK$20,065
baseline
▲ 0.50% · 4.625%
HK$21,123
+HK$1,058/mo
Deposit HK$1.61M · loan HK$3.75M · min. income ≈ HK$40,130/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,001
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$22,686
−HK$695/mo
Today · 4.125%
HK$23,381
baseline
▲ 0.50% · 4.625%
HK$24,804
+HK$1,423/mo
Deposit HK$536K · loan HK$4.82M · min. income ≈ HK$46,762/mo (50% DSR)
Upfront cash ≈ HK$657K (deposit + AVD stamp duty HK$120,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,476
−HK$1,322/mo
▼ 0.25% · 3.875%
HK$25,133
−HK$665/mo
Today · 4.125%
HK$25,798
baseline
▲ 0.50% · 4.625%
HK$27,158
+HK$1,360/mo
Deposit HK$536K · loan HK$4.82M · min. income ≈ HK$51,596/mo (50% DSR)
Upfront cash ≈ HK$657K (deposit + AVD stamp duty HK$120,607 · 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).