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$12,243
−HK$768/mo
▼ 0.25% · 3.875%
HK$12,624
−HK$387/mo
Today · 4.125%
HK$13,011
baseline
▲ 0.50% · 4.625%
HK$13,803
+HK$792/mo
Deposit HK$2.68M · loan HK$2.68M · min. income ≈ HK$26,022/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$120,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,620
−HK$736/mo
▼ 0.25% · 3.875%
HK$13,986
−HK$370/mo
Today · 4.125%
HK$14,356
baseline
▲ 0.50% · 4.625%
HK$15,113
+HK$757/mo
Deposit HK$2.68M · loan HK$2.68M · min. income ≈ HK$28,712/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$120,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,692
−HK$921/mo
▼ 0.25% · 3.875%
HK$15,149
−HK$464/mo
Today · 4.125%
HK$15,613
baseline
▲ 0.50% · 4.625%
HK$16,563
+HK$950/mo
Deposit HK$2.15M · loan HK$3.22M · min. income ≈ HK$31,226/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$120,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,345
−HK$883/mo
▼ 0.25% · 3.875%
HK$16,783
−HK$445/mo
Today · 4.125%
HK$17,228
baseline
▲ 0.50% · 4.625%
HK$18,136
+HK$908/mo
Deposit HK$2.15M · loan HK$3.22M · min. income ≈ HK$34,456/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$120,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,140
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$17,674
−HK$541/mo
Today · 4.125%
HK$18,215
baseline
▲ 0.50% · 4.625%
HK$19,324
+HK$1,109/mo
Deposit HK$1.61M · loan HK$3.76M · min. income ≈ HK$36,430/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,069
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$19,580
−HK$519/mo
Today · 4.125%
HK$20,099
baseline
▲ 0.50% · 4.625%
HK$21,158
+HK$1,059/mo
Deposit HK$1.61M · loan HK$3.76M · min. income ≈ HK$40,198/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,038
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$22,723
−HK$697/mo
Today · 4.125%
HK$23,420
baseline
▲ 0.50% · 4.625%
HK$24,845
+HK$1,425/mo
Deposit HK$537K · loan HK$4.83M · min. income ≈ HK$46,840/mo (50% DSR)
Upfront cash ≈ HK$658K (deposit + AVD stamp duty HK$120,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,517
−HK$1,324/mo
▼ 0.25% · 3.875%
HK$25,174
−HK$667/mo
Today · 4.125%
HK$25,841
baseline
▲ 0.50% · 4.625%
HK$27,203
+HK$1,362/mo
Deposit HK$537K · loan HK$4.83M · min. income ≈ HK$51,682/mo (50% DSR)
Upfront cash ≈ HK$658K (deposit + AVD stamp duty HK$120,808 · 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).