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$12,264
−HK$770/mo
▼ 0.25% · 3.875%
HK$12,646
−HK$388/mo
Today · 4.125%
HK$13,034
baseline
▲ 0.50% · 4.625%
HK$13,827
+HK$793/mo
Deposit HK$2.69M · loan HK$2.69M · min. income ≈ HK$26,068/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$121,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,644
−HK$737/mo
▼ 0.25% · 3.875%
HK$14,010
−HK$371/mo
Today · 4.125%
HK$14,381
baseline
▲ 0.50% · 4.625%
HK$15,139
+HK$758/mo
Deposit HK$2.69M · loan HK$2.69M · min. income ≈ HK$28,762/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$121,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,717
−HK$923/mo
▼ 0.25% · 3.875%
HK$15,175
−HK$465/mo
Today · 4.125%
HK$15,640
baseline
▲ 0.50% · 4.625%
HK$16,592
+HK$952/mo
Deposit HK$2.15M · loan HK$3.23M · min. income ≈ HK$31,280/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$121,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,373
−HK$885/mo
▼ 0.25% · 3.875%
HK$16,812
−HK$446/mo
Today · 4.125%
HK$17,258
baseline
▲ 0.50% · 4.625%
HK$18,167
+HK$909/mo
Deposit HK$2.15M · loan HK$3.23M · min. income ≈ HK$34,516/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$121,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,170
−HK$1,077/mo
▼ 0.25% · 3.875%
HK$17,704
−HK$543/mo
Today · 4.125%
HK$18,247
baseline
▲ 0.50% · 4.625%
HK$19,357
+HK$1,110/mo
Deposit HK$1.61M · loan HK$3.76M · min. income ≈ HK$36,494/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$121,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,102
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$19,614
−HK$520/mo
Today · 4.125%
HK$20,134
baseline
▲ 0.50% · 4.625%
HK$21,195
+HK$1,061/mo
Deposit HK$1.61M · loan HK$3.76M · min. income ≈ HK$40,268/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$121,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,076
−HK$1,384/mo
▼ 0.25% · 3.875%
HK$22,763
−HK$697/mo
Today · 4.125%
HK$23,460
baseline
▲ 0.50% · 4.625%
HK$24,888
+HK$1,428/mo
Deposit HK$538K · loan HK$4.84M · min. income ≈ HK$46,920/mo (50% DSR)
Upfront cash ≈ HK$659K (deposit + AVD stamp duty HK$121,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,559
−HK$1,327/mo
▼ 0.25% · 3.875%
HK$25,218
−HK$668/mo
Today · 4.125%
HK$25,886
baseline
▲ 0.50% · 4.625%
HK$27,251
+HK$1,365/mo
Deposit HK$538K · loan HK$4.84M · min. income ≈ HK$51,772/mo (50% DSR)
Upfront cash ≈ HK$659K (deposit + AVD stamp duty HK$121,018 · 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).