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$764/mo
▼ 0.25% · 3.875%
HK$12,548
−HK$385/mo
Today · 4.125%
HK$12,933
baseline
▲ 0.50% · 4.625%
HK$13,720
+HK$787/mo
Deposit HK$2.67M · loan HK$2.67M · min. income ≈ HK$25,866/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$120,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,538
−HK$732/mo
▼ 0.25% · 3.875%
HK$13,902
−HK$368/mo
Today · 4.125%
HK$14,270
baseline
▲ 0.50% · 4.625%
HK$15,022
+HK$752/mo
Deposit HK$2.67M · loan HK$2.67M · min. income ≈ HK$28,540/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$120,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,603
−HK$916/mo
▼ 0.25% · 3.875%
HK$15,058
−HK$461/mo
Today · 4.125%
HK$15,519
baseline
▲ 0.50% · 4.625%
HK$16,463
+HK$944/mo
Deposit HK$2.13M · loan HK$3.20M · min. income ≈ HK$31,038/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$120,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,246
−HK$878/mo
▼ 0.25% · 3.875%
HK$16,682
−HK$442/mo
Today · 4.125%
HK$17,124
baseline
▲ 0.50% · 4.625%
HK$18,026
+HK$902/mo
Deposit HK$2.13M · loan HK$3.20M · min. income ≈ HK$34,248/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$120,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,037
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$17,567
−HK$539/mo
Today · 4.125%
HK$18,106
baseline
▲ 0.50% · 4.625%
HK$19,207
+HK$1,101/mo
Deposit HK$1.60M · loan HK$3.74M · min. income ≈ HK$36,212/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$120,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,954
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$19,462
−HK$516/mo
Today · 4.125%
HK$19,978
baseline
▲ 0.50% · 4.625%
HK$21,031
+HK$1,053/mo
Deposit HK$1.60M · loan HK$3.74M · min. income ≈ HK$39,956/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$120,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,905
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$22,586
−HK$693/mo
Today · 4.125%
HK$23,279
baseline
▲ 0.50% · 4.625%
HK$24,695
+HK$1,416/mo
Deposit HK$534K · loan HK$4.80M · min. income ≈ HK$46,558/mo (50% DSR)
Upfront cash ≈ HK$654K (deposit + AVD stamp duty HK$120,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,369
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$25,023
−HK$663/mo
Today · 4.125%
HK$25,686
baseline
▲ 0.50% · 4.625%
HK$27,040
+HK$1,354/mo
Deposit HK$534K · loan HK$4.80M · min. income ≈ HK$51,372/mo (50% DSR)
Upfront cash ≈ HK$654K (deposit + AVD stamp duty HK$120,081 · 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).