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$12,203
−HK$765/mo
▼ 0.25% · 3.875%
HK$12,582
−HK$386/mo
Today · 4.125%
HK$12,968
baseline
▲ 0.50% · 4.625%
HK$13,757
+HK$789/mo
Deposit HK$2.68M · loan HK$2.68M · min. income ≈ HK$25,936/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$120,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,576
−HK$733/mo
▼ 0.25% · 3.875%
HK$13,940
−HK$369/mo
Today · 4.125%
HK$14,309
baseline
▲ 0.50% · 4.625%
HK$15,063
+HK$754/mo
Deposit HK$2.68M · loan HK$2.68M · min. income ≈ HK$28,618/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$120,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,643
−HK$919/mo
▼ 0.25% · 3.875%
HK$15,099
−HK$463/mo
Today · 4.125%
HK$15,562
baseline
▲ 0.50% · 4.625%
HK$16,509
+HK$947/mo
Deposit HK$2.14M · loan HK$3.21M · min. income ≈ HK$31,124/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,291
−HK$880/mo
▼ 0.25% · 3.875%
HK$16,728
−HK$443/mo
Today · 4.125%
HK$17,171
baseline
▲ 0.50% · 4.625%
HK$18,076
+HK$905/mo
Deposit HK$2.14M · loan HK$3.21M · min. income ≈ HK$34,342/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,084
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$17,615
−HK$540/mo
Today · 4.125%
HK$18,155
baseline
▲ 0.50% · 4.625%
HK$19,260
+HK$1,105/mo
Deposit HK$1.61M · loan HK$3.75M · min. income ≈ HK$36,310/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,006
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$19,516
−HK$517/mo
Today · 4.125%
HK$20,033
baseline
▲ 0.50% · 4.625%
HK$21,089
+HK$1,056/mo
Deposit HK$1.61M · loan HK$3.75M · min. income ≈ HK$40,066/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,965
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$22,648
−HK$695/mo
Today · 4.125%
HK$23,343
baseline
▲ 0.50% · 4.625%
HK$24,763
+HK$1,420/mo
Deposit HK$535K · loan HK$4.82M · min. income ≈ HK$46,686/mo (50% DSR)
Upfront cash ≈ HK$656K (deposit + AVD stamp duty HK$120,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,436
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$25,091
−HK$665/mo
Today · 4.125%
HK$25,756
baseline
▲ 0.50% · 4.625%
HK$27,114
+HK$1,358/mo
Deposit HK$535K · loan HK$4.82M · min. income ≈ HK$51,512/mo (50% DSR)
Upfront cash ≈ HK$656K (deposit + AVD stamp duty HK$120,410 · 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).