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$12,176
−HK$763/mo
▼ 0.25% · 3.875%
HK$12,554
−HK$385/mo
Today · 4.125%
HK$12,939
baseline
▲ 0.50% · 4.625%
HK$13,726
+HK$787/mo
Deposit HK$2.67M · loan HK$2.67M · min. income ≈ HK$25,878/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$120,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,545
−HK$732/mo
▼ 0.25% · 3.875%
HK$13,908
−HK$369/mo
Today · 4.125%
HK$14,277
baseline
▲ 0.50% · 4.625%
HK$15,030
+HK$753/mo
Deposit HK$2.67M · loan HK$2.67M · min. income ≈ HK$28,554/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$120,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,611
−HK$916/mo
▼ 0.25% · 3.875%
HK$15,065
−HK$462/mo
Today · 4.125%
HK$15,527
baseline
▲ 0.50% · 4.625%
HK$16,472
+HK$945/mo
Deposit HK$2.14M · loan HK$3.20M · min. income ≈ HK$31,054/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,254
−HK$878/mo
▼ 0.25% · 3.875%
HK$16,690
−HK$442/mo
Today · 4.125%
HK$17,132
baseline
▲ 0.50% · 4.625%
HK$18,035
+HK$903/mo
Deposit HK$2.14M · loan HK$3.20M · min. income ≈ HK$34,264/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,046
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$17,576
−HK$539/mo
Today · 4.125%
HK$18,115
baseline
▲ 0.50% · 4.625%
HK$19,217
+HK$1,102/mo
Deposit HK$1.60M · loan HK$3.74M · min. income ≈ HK$36,230/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$120,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,963
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$19,472
−HK$516/mo
Today · 4.125%
HK$19,988
baseline
▲ 0.50% · 4.625%
HK$21,041
+HK$1,053/mo
Deposit HK$1.60M · loan HK$3.74M · min. income ≈ HK$39,976/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$120,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,916
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$22,598
−HK$692/mo
Today · 4.125%
HK$23,290
baseline
▲ 0.50% · 4.625%
HK$24,707
+HK$1,417/mo
Deposit HK$534K · loan HK$4.81M · min. income ≈ HK$46,580/mo (50% DSR)
Upfront cash ≈ HK$654K (deposit + AVD stamp duty HK$120,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,381
−HK$1,318/mo
▼ 0.25% · 3.875%
HK$25,035
−HK$664/mo
Today · 4.125%
HK$25,699
baseline
▲ 0.50% · 4.625%
HK$27,053
+HK$1,354/mo
Deposit HK$534K · loan HK$4.81M · min. income ≈ HK$51,398/mo (50% DSR)
Upfront cash ≈ HK$654K (deposit + AVD stamp duty HK$120,140 · 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).