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$12,128
−HK$760/mo
▼ 0.25% · 3.875%
HK$12,505
−HK$383/mo
Today · 4.125%
HK$12,888
baseline
▲ 0.50% · 4.625%
HK$13,672
+HK$784/mo
Deposit HK$2.66M · loan HK$2.66M · min. income ≈ HK$25,776/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$119,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,492
−HK$729/mo
▼ 0.25% · 3.875%
HK$13,854
−HK$367/mo
Today · 4.125%
HK$14,221
baseline
▲ 0.50% · 4.625%
HK$14,970
+HK$749/mo
Deposit HK$2.66M · loan HK$2.66M · min. income ≈ HK$28,442/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$119,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,553
−HK$913/mo
▼ 0.25% · 3.875%
HK$15,006
−HK$460/mo
Today · 4.125%
HK$15,466
baseline
▲ 0.50% · 4.625%
HK$16,407
+HK$941/mo
Deposit HK$2.13M · loan HK$3.19M · min. income ≈ HK$30,932/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$119,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,190
−HK$875/mo
▼ 0.25% · 3.875%
HK$16,624
−HK$441/mo
Today · 4.125%
HK$17,065
baseline
▲ 0.50% · 4.625%
HK$17,964
+HK$899/mo
Deposit HK$2.13M · loan HK$3.19M · min. income ≈ HK$34,130/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$119,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,979
−HK$1,064/mo
▼ 0.25% · 3.875%
HK$17,507
−HK$536/mo
Today · 4.125%
HK$18,043
baseline
▲ 0.50% · 4.625%
HK$19,141
+HK$1,098/mo
Deposit HK$1.60M · loan HK$3.72M · min. income ≈ HK$36,086/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$119,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,889
−HK$1,020/mo
▼ 0.25% · 3.875%
HK$19,395
−HK$514/mo
Today · 4.125%
HK$19,909
baseline
▲ 0.50% · 4.625%
HK$20,958
+HK$1,049/mo
Deposit HK$1.60M · loan HK$3.72M · min. income ≈ HK$39,818/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$119,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,830
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$22,509
−HK$690/mo
Today · 4.125%
HK$23,199
baseline
▲ 0.50% · 4.625%
HK$24,610
+HK$1,411/mo
Deposit HK$532K · loan HK$4.79M · min. income ≈ HK$46,398/mo (50% DSR)
Upfront cash ≈ HK$652K (deposit + AVD stamp duty HK$119,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,285
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$24,937
−HK$660/mo
Today · 4.125%
HK$25,597
baseline
▲ 0.50% · 4.625%
HK$26,947
+HK$1,350/mo
Deposit HK$532K · loan HK$4.79M · min. income ≈ HK$51,194/mo (50% DSR)
Upfront cash ≈ HK$652K (deposit + AVD stamp duty HK$119,667 · 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).