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$12,284
−HK$770/mo
▼ 0.25% · 3.875%
HK$12,666
−HK$388/mo
Today · 4.125%
HK$13,054
baseline
▲ 0.50% · 4.625%
HK$13,849
+HK$795/mo
Deposit HK$2.69M · loan HK$2.69M · min. income ≈ HK$26,108/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$121,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,666
−HK$738/mo
▼ 0.25% · 3.875%
HK$14,032
−HK$372/mo
Today · 4.125%
HK$14,404
baseline
▲ 0.50% · 4.625%
HK$15,164
+HK$760/mo
Deposit HK$2.69M · loan HK$2.69M · min. income ≈ HK$28,808/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$121,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,741
−HK$924/mo
▼ 0.25% · 3.875%
HK$15,199
−HK$466/mo
Today · 4.125%
HK$15,665
baseline
▲ 0.50% · 4.625%
HK$16,618
+HK$953/mo
Deposit HK$2.15M · loan HK$3.23M · min. income ≈ HK$31,330/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,399
−HK$886/mo
▼ 0.25% · 3.875%
HK$16,839
−HK$446/mo
Today · 4.125%
HK$17,285
baseline
▲ 0.50% · 4.625%
HK$18,196
+HK$911/mo
Deposit HK$2.15M · loan HK$3.23M · min. income ≈ HK$34,570/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,198
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$17,733
−HK$543/mo
Today · 4.125%
HK$18,276
baseline
▲ 0.50% · 4.625%
HK$19,388
+HK$1,112/mo
Deposit HK$1.62M · loan HK$3.77M · min. income ≈ HK$36,552/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,132
−HK$1,034/mo
▼ 0.25% · 3.875%
HK$19,645
−HK$521/mo
Today · 4.125%
HK$20,166
baseline
▲ 0.50% · 4.625%
HK$21,229
+HK$1,063/mo
Deposit HK$1.62M · loan HK$3.77M · min. income ≈ HK$40,332/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,111
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$22,799
−HK$699/mo
Today · 4.125%
HK$23,498
baseline
▲ 0.50% · 4.625%
HK$24,928
+HK$1,430/mo
Deposit HK$539K · loan HK$4.85M · min. income ≈ HK$46,996/mo (50% DSR)
Upfront cash ≈ HK$660K (deposit + AVD stamp duty HK$121,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,599
−HK$1,329/mo
▼ 0.25% · 3.875%
HK$25,258
−HK$670/mo
Today · 4.125%
HK$25,928
baseline
▲ 0.50% · 4.625%
HK$27,294
+HK$1,366/mo
Deposit HK$539K · loan HK$4.85M · min. income ≈ HK$51,856/mo (50% DSR)
Upfront cash ≈ HK$660K (deposit + AVD stamp duty HK$121,211 · 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).