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$12,169
−HK$763/mo
▼ 0.25% · 3.875%
HK$12,547
−HK$385/mo
Today · 4.125%
HK$12,932
baseline
▲ 0.50% · 4.625%
HK$13,719
+HK$787/mo
Deposit HK$2.67M · loan HK$2.67M · min. income ≈ HK$25,864/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$120,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,538
−HK$731/mo
▼ 0.25% · 3.875%
HK$13,901
−HK$368/mo
Today · 4.125%
HK$14,269
baseline
▲ 0.50% · 4.625%
HK$15,021
+HK$752/mo
Deposit HK$2.67M · loan HK$2.67M · min. income ≈ HK$28,538/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$120,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,602
−HK$916/mo
▼ 0.25% · 3.875%
HK$15,057
−HK$461/mo
Today · 4.125%
HK$15,518
baseline
▲ 0.50% · 4.625%
HK$16,462
+HK$944/mo
Deposit HK$2.13M · loan HK$3.20M · min. income ≈ HK$31,036/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$120,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,245
−HK$878/mo
▼ 0.25% · 3.875%
HK$16,681
−HK$442/mo
Today · 4.125%
HK$17,123
baseline
▲ 0.50% · 4.625%
HK$18,025
+HK$902/mo
Deposit HK$2.13M · loan HK$3.20M · min. income ≈ HK$34,246/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$120,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,036
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$17,566
−HK$538/mo
Today · 4.125%
HK$18,104
baseline
▲ 0.50% · 4.625%
HK$19,206
+HK$1,102/mo
Deposit HK$1.60M · loan HK$3.74M · min. income ≈ HK$36,208/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$120,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,953
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$19,461
−HK$516/mo
Today · 4.125%
HK$19,977
baseline
▲ 0.50% · 4.625%
HK$21,029
+HK$1,052/mo
Deposit HK$1.60M · loan HK$3.74M · min. income ≈ HK$39,954/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$120,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,904
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$22,585
−HK$692/mo
Today · 4.125%
HK$23,277
baseline
▲ 0.50% · 4.625%
HK$24,694
+HK$1,417/mo
Deposit HK$534K · loan HK$4.80M · min. income ≈ HK$46,554/mo (50% DSR)
Upfront cash ≈ HK$654K (deposit + AVD stamp duty HK$120,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,368
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$25,021
−HK$663/mo
Today · 4.125%
HK$25,684
baseline
▲ 0.50% · 4.625%
HK$27,038
+HK$1,354/mo
Deposit HK$534K · loan HK$4.80M · min. income ≈ HK$51,368/mo (50% DSR)
Upfront cash ≈ HK$654K (deposit + AVD stamp duty HK$120,073 · 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).