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$12,285
−HK$770/mo
▼ 0.25% · 3.875%
HK$12,667
−HK$388/mo
Today · 4.125%
HK$13,055
baseline
▲ 0.50% · 4.625%
HK$13,850
+HK$795/mo
Deposit HK$2.69M · loan HK$2.69M · min. income ≈ HK$26,110/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$121,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,667
−HK$738/mo
▼ 0.25% · 3.875%
HK$14,033
−HK$372/mo
Today · 4.125%
HK$14,405
baseline
▲ 0.50% · 4.625%
HK$15,165
+HK$760/mo
Deposit HK$2.69M · loan HK$2.69M · min. income ≈ HK$28,810/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$121,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,742
−HK$924/mo
▼ 0.25% · 3.875%
HK$15,201
−HK$465/mo
Today · 4.125%
HK$15,666
baseline
▲ 0.50% · 4.625%
HK$16,620
+HK$954/mo
Deposit HK$2.16M · loan HK$3.23M · min. income ≈ HK$31,332/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,400
−HK$886/mo
▼ 0.25% · 3.875%
HK$16,840
−HK$446/mo
Today · 4.125%
HK$17,286
baseline
▲ 0.50% · 4.625%
HK$18,198
+HK$912/mo
Deposit HK$2.16M · loan HK$3.23M · min. income ≈ HK$34,572/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,199
−HK$1,079/mo
▼ 0.25% · 3.875%
HK$17,734
−HK$544/mo
Today · 4.125%
HK$18,278
baseline
▲ 0.50% · 4.625%
HK$19,390
+HK$1,112/mo
Deposit HK$1.62M · loan HK$3.77M · min. income ≈ HK$36,556/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,134
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$19,647
−HK$520/mo
Today · 4.125%
HK$20,167
baseline
▲ 0.50% · 4.625%
HK$21,231
+HK$1,064/mo
Deposit HK$1.62M · loan HK$3.77M · min. income ≈ HK$40,334/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,113
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$22,801
−HK$699/mo
Today · 4.125%
HK$23,500
baseline
▲ 0.50% · 4.625%
HK$24,930
+HK$1,430/mo
Deposit HK$539K · loan HK$4.85M · min. income ≈ HK$47,000/mo (50% DSR)
Upfront cash ≈ HK$660K (deposit + AVD stamp duty HK$121,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,600
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$25,260
−HK$670/mo
Today · 4.125%
HK$25,930
baseline
▲ 0.50% · 4.625%
HK$27,296
+HK$1,366/mo
Deposit HK$539K · loan HK$4.85M · min. income ≈ HK$51,860/mo (50% DSR)
Upfront cash ≈ HK$660K (deposit + AVD stamp duty HK$121,220 · 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).