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$12,144
−HK$762/mo
▼ 0.25% · 3.875%
HK$12,522
−HK$384/mo
Today · 4.125%
HK$12,906
baseline
▲ 0.50% · 4.625%
HK$13,691
+HK$785/mo
Deposit HK$2.66M · loan HK$2.66M · min. income ≈ HK$25,812/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$119,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,510
−HK$730/mo
▼ 0.25% · 3.875%
HK$13,873
−HK$367/mo
Today · 4.125%
HK$14,240
baseline
▲ 0.50% · 4.625%
HK$14,991
+HK$751/mo
Deposit HK$2.66M · loan HK$2.66M · min. income ≈ HK$28,480/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$119,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,573
−HK$914/mo
▼ 0.25% · 3.875%
HK$15,026
−HK$461/mo
Today · 4.125%
HK$15,487
baseline
▲ 0.50% · 4.625%
HK$16,429
+HK$942/mo
Deposit HK$2.13M · loan HK$3.20M · min. income ≈ HK$30,974/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$119,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,212
−HK$876/mo
▼ 0.25% · 3.875%
HK$16,647
−HK$441/mo
Today · 4.125%
HK$17,088
baseline
▲ 0.50% · 4.625%
HK$17,989
+HK$901/mo
Deposit HK$2.13M · loan HK$3.20M · min. income ≈ HK$34,176/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$119,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,002
−HK$1,066/mo
▼ 0.25% · 3.875%
HK$17,531
−HK$537/mo
Today · 4.125%
HK$18,068
baseline
▲ 0.50% · 4.625%
HK$19,167
+HK$1,099/mo
Deposit HK$1.60M · loan HK$3.73M · min. income ≈ HK$36,136/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$119,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,914
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$19,422
−HK$514/mo
Today · 4.125%
HK$19,936
baseline
▲ 0.50% · 4.625%
HK$20,987
+HK$1,051/mo
Deposit HK$1.60M · loan HK$3.73M · min. income ≈ HK$39,872/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$119,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,859
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$22,539
−HK$691/mo
Today · 4.125%
HK$23,230
baseline
▲ 0.50% · 4.625%
HK$24,644
+HK$1,414/mo
Deposit HK$533K · loan HK$4.79M · min. income ≈ HK$46,460/mo (50% DSR)
Upfront cash ≈ HK$652K (deposit + AVD stamp duty HK$119,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,318
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$24,971
−HK$661/mo
Today · 4.125%
HK$25,632
baseline
▲ 0.50% · 4.625%
HK$26,983
+HK$1,351/mo
Deposit HK$533K · loan HK$4.79M · min. income ≈ HK$51,264/mo (50% DSR)
Upfront cash ≈ HK$652K (deposit + AVD stamp duty HK$119,831 · 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).