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$12,132
−HK$761/mo
▼ 0.25% · 3.875%
HK$12,510
−HK$383/mo
Today · 4.125%
HK$12,893
baseline
▲ 0.50% · 4.625%
HK$13,678
+HK$785/mo
Deposit HK$2.66M · loan HK$2.66M · min. income ≈ HK$25,786/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$119,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,497
−HK$729/mo
▼ 0.25% · 3.875%
HK$13,859
−HK$367/mo
Today · 4.125%
HK$14,226
baseline
▲ 0.50% · 4.625%
HK$14,976
+HK$750/mo
Deposit HK$2.66M · loan HK$2.66M · min. income ≈ HK$28,452/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$119,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,559
−HK$913/mo
▼ 0.25% · 3.875%
HK$15,012
−HK$460/mo
Today · 4.125%
HK$15,472
baseline
▲ 0.50% · 4.625%
HK$16,413
+HK$941/mo
Deposit HK$2.13M · loan HK$3.19M · min. income ≈ HK$30,944/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$119,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,196
−HK$876/mo
▼ 0.25% · 3.875%
HK$16,631
−HK$441/mo
Today · 4.125%
HK$17,072
baseline
▲ 0.50% · 4.625%
HK$17,971
+HK$899/mo
Deposit HK$2.13M · loan HK$3.19M · min. income ≈ HK$34,144/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$119,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,985
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$17,514
−HK$536/mo
Today · 4.125%
HK$18,050
baseline
▲ 0.50% · 4.625%
HK$19,149
+HK$1,099/mo
Deposit HK$1.60M · loan HK$3.72M · min. income ≈ HK$36,100/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$119,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,896
−HK$1,021/mo
▼ 0.25% · 3.875%
HK$19,403
−HK$514/mo
Today · 4.125%
HK$19,917
baseline
▲ 0.50% · 4.625%
HK$20,967
+HK$1,050/mo
Deposit HK$1.60M · loan HK$3.72M · min. income ≈ HK$39,834/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$119,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,838
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$22,517
−HK$691/mo
Today · 4.125%
HK$23,208
baseline
▲ 0.50% · 4.625%
HK$24,620
+HK$1,412/mo
Deposit HK$532K · loan HK$4.79M · min. income ≈ HK$46,416/mo (50% DSR)
Upfront cash ≈ HK$652K (deposit + AVD stamp duty HK$119,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,295
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$24,946
−HK$661/mo
Today · 4.125%
HK$25,607
baseline
▲ 0.50% · 4.625%
HK$26,957
+HK$1,350/mo
Deposit HK$532K · loan HK$4.79M · min. income ≈ HK$51,214/mo (50% DSR)
Upfront cash ≈ HK$652K (deposit + AVD stamp duty HK$119,714 · 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).