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$12,250
−HK$768/mo
▼ 0.25% · 3.875%
HK$12,631
−HK$387/mo
Today · 4.125%
HK$13,018
baseline
▲ 0.50% · 4.625%
HK$13,810
+HK$792/mo
Deposit HK$2.69M · loan HK$2.69M · min. income ≈ HK$26,036/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$120,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,627
−HK$737/mo
▼ 0.25% · 3.875%
HK$13,993
−HK$371/mo
Today · 4.125%
HK$14,364
baseline
▲ 0.50% · 4.625%
HK$15,121
+HK$757/mo
Deposit HK$2.69M · loan HK$2.69M · min. income ≈ HK$28,728/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$120,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,699
−HK$922/mo
▼ 0.25% · 3.875%
HK$15,157
−HK$464/mo
Today · 4.125%
HK$15,621
baseline
▲ 0.50% · 4.625%
HK$16,572
+HK$951/mo
Deposit HK$2.15M · loan HK$3.22M · min. income ≈ HK$31,242/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$120,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,353
−HK$883/mo
▼ 0.25% · 3.875%
HK$16,792
−HK$444/mo
Today · 4.125%
HK$17,236
baseline
▲ 0.50% · 4.625%
HK$18,145
+HK$909/mo
Deposit HK$2.15M · loan HK$3.22M · min. income ≈ HK$34,472/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$120,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,149
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$17,683
−HK$542/mo
Today · 4.125%
HK$18,225
baseline
▲ 0.50% · 4.625%
HK$19,334
+HK$1,109/mo
Deposit HK$1.61M · loan HK$3.76M · min. income ≈ HK$36,450/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,078
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$19,590
−HK$519/mo
Today · 4.125%
HK$20,109
baseline
▲ 0.50% · 4.625%
HK$21,169
+HK$1,060/mo
Deposit HK$1.61M · loan HK$3.76M · min. income ≈ HK$40,218/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,049
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$22,735
−HK$697/mo
Today · 4.125%
HK$23,432
baseline
▲ 0.50% · 4.625%
HK$24,858
+HK$1,426/mo
Deposit HK$537K · loan HK$4.83M · min. income ≈ HK$46,864/mo (50% DSR)
Upfront cash ≈ HK$658K (deposit + AVD stamp duty HK$120,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,529
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$25,187
−HK$668/mo
Today · 4.125%
HK$25,855
baseline
▲ 0.50% · 4.625%
HK$27,217
+HK$1,362/mo
Deposit HK$537K · loan HK$4.83M · min. income ≈ HK$51,710/mo (50% DSR)
Upfront cash ≈ HK$658K (deposit + AVD stamp duty HK$120,870 · 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).