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$12,198
−HK$765/mo
▼ 0.25% · 3.875%
HK$12,577
−HK$386/mo
Today · 4.125%
HK$12,963
baseline
▲ 0.50% · 4.625%
HK$13,751
+HK$788/mo
Deposit HK$2.67M · loan HK$2.67M · min. income ≈ HK$25,926/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$120,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,570
−HK$733/mo
▼ 0.25% · 3.875%
HK$13,934
−HK$369/mo
Today · 4.125%
HK$14,303
baseline
▲ 0.50% · 4.625%
HK$15,057
+HK$754/mo
Deposit HK$2.67M · loan HK$2.67M · min. income ≈ HK$28,606/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$120,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,637
−HK$918/mo
▼ 0.25% · 3.875%
HK$15,092
−HK$463/mo
Today · 4.125%
HK$15,555
baseline
▲ 0.50% · 4.625%
HK$16,502
+HK$947/mo
Deposit HK$2.14M · loan HK$3.21M · min. income ≈ HK$31,110/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,284
−HK$879/mo
▼ 0.25% · 3.875%
HK$16,720
−HK$443/mo
Today · 4.125%
HK$17,163
baseline
▲ 0.50% · 4.625%
HK$18,068
+HK$905/mo
Deposit HK$2.14M · loan HK$3.21M · min. income ≈ HK$34,326/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,077
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$17,608
−HK$540/mo
Today · 4.125%
HK$18,148
baseline
▲ 0.50% · 4.625%
HK$19,252
+HK$1,104/mo
Deposit HK$1.60M · loan HK$3.74M · min. income ≈ HK$36,296/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,998
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$19,507
−HK$517/mo
Today · 4.125%
HK$20,024
baseline
▲ 0.50% · 4.625%
HK$21,080
+HK$1,056/mo
Deposit HK$1.60M · loan HK$3.74M · min. income ≈ HK$40,048/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,956
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$22,639
−HK$694/mo
Today · 4.125%
HK$23,333
baseline
▲ 0.50% · 4.625%
HK$24,752
+HK$1,419/mo
Deposit HK$535K · loan HK$4.81M · min. income ≈ HK$46,666/mo (50% DSR)
Upfront cash ≈ HK$655K (deposit + AVD stamp duty HK$120,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,426
−HK$1,319/mo
▼ 0.25% · 3.875%
HK$25,081
−HK$664/mo
Today · 4.125%
HK$25,745
baseline
▲ 0.50% · 4.625%
HK$27,102
+HK$1,357/mo
Deposit HK$535K · loan HK$4.81M · min. income ≈ HK$51,490/mo (50% DSR)
Upfront cash ≈ HK$655K (deposit + AVD stamp duty HK$120,358 · 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).