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$12,252
−HK$769/mo
▼ 0.25% · 3.875%
HK$12,634
−HK$387/mo
Today · 4.125%
HK$13,021
baseline
▲ 0.50% · 4.625%
HK$13,813
+HK$792/mo
Deposit HK$2.69M · loan HK$2.69M · min. income ≈ HK$26,042/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$120,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,631
−HK$736/mo
▼ 0.25% · 3.875%
HK$13,996
−HK$371/mo
Today · 4.125%
HK$14,367
baseline
▲ 0.50% · 4.625%
HK$15,124
+HK$757/mo
Deposit HK$2.69M · loan HK$2.69M · min. income ≈ HK$28,734/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$120,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,703
−HK$922/mo
▼ 0.25% · 3.875%
HK$15,160
−HK$465/mo
Today · 4.125%
HK$15,625
baseline
▲ 0.50% · 4.625%
HK$16,576
+HK$951/mo
Deposit HK$2.15M · loan HK$3.22M · min. income ≈ HK$31,250/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$120,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,357
−HK$884/mo
▼ 0.25% · 3.875%
HK$16,796
−HK$445/mo
Today · 4.125%
HK$17,241
baseline
▲ 0.50% · 4.625%
HK$18,149
+HK$908/mo
Deposit HK$2.15M · loan HK$3.22M · min. income ≈ HK$34,482/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$120,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,153
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$17,687
−HK$542/mo
Today · 4.125%
HK$18,229
baseline
▲ 0.50% · 4.625%
HK$19,338
+HK$1,109/mo
Deposit HK$1.61M · loan HK$3.76M · min. income ≈ HK$36,458/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,083
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$19,595
−HK$519/mo
Today · 4.125%
HK$20,114
baseline
▲ 0.50% · 4.625%
HK$21,174
+HK$1,060/mo
Deposit HK$1.61M · loan HK$3.76M · min. income ≈ HK$40,228/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,054
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$22,740
−HK$697/mo
Today · 4.125%
HK$23,437
baseline
▲ 0.50% · 4.625%
HK$24,864
+HK$1,427/mo
Deposit HK$537K · loan HK$4.84M · min. income ≈ HK$46,874/mo (50% DSR)
Upfront cash ≈ HK$658K (deposit + AVD stamp duty HK$120,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,535
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$25,193
−HK$668/mo
Today · 4.125%
HK$25,861
baseline
▲ 0.50% · 4.625%
HK$27,224
+HK$1,363/mo
Deposit HK$537K · loan HK$4.84M · min. income ≈ HK$51,722/mo (50% DSR)
Upfront cash ≈ HK$658K (deposit + AVD stamp duty HK$120,899 · 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).