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$12,232
−HK$767/mo
▼ 0.25% · 3.875%
HK$12,613
−HK$386/mo
Today · 4.125%
HK$12,999
baseline
▲ 0.50% · 4.625%
HK$13,790
+HK$791/mo
Deposit HK$2.68M · loan HK$2.68M · min. income ≈ HK$25,998/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$120,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,608
−HK$735/mo
▼ 0.25% · 3.875%
HK$13,973
−HK$370/mo
Today · 4.125%
HK$14,343
baseline
▲ 0.50% · 4.625%
HK$15,099
+HK$756/mo
Deposit HK$2.68M · loan HK$2.68M · min. income ≈ HK$28,686/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$120,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,679
−HK$920/mo
▼ 0.25% · 3.875%
HK$15,135
−HK$464/mo
Today · 4.125%
HK$15,599
baseline
▲ 0.50% · 4.625%
HK$16,548
+HK$949/mo
Deposit HK$2.15M · loan HK$3.22M · min. income ≈ HK$31,198/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$120,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,330
−HK$882/mo
▼ 0.25% · 3.875%
HK$16,768
−HK$444/mo
Today · 4.125%
HK$17,212
baseline
▲ 0.50% · 4.625%
HK$18,119
+HK$907/mo
Deposit HK$2.15M · loan HK$3.22M · min. income ≈ HK$34,424/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$120,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,125
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$17,658
−HK$541/mo
Today · 4.125%
HK$18,199
baseline
▲ 0.50% · 4.625%
HK$19,306
+HK$1,107/mo
Deposit HK$1.61M · loan HK$3.76M · min. income ≈ HK$36,398/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,051
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$19,562
−HK$519/mo
Today · 4.125%
HK$20,081
baseline
▲ 0.50% · 4.625%
HK$21,139
+HK$1,058/mo
Deposit HK$1.61M · loan HK$3.76M · min. income ≈ HK$40,162/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,018
−HK$1,381/mo
▼ 0.25% · 3.875%
HK$22,703
−HK$696/mo
Today · 4.125%
HK$23,399
baseline
▲ 0.50% · 4.625%
HK$24,822
+HK$1,423/mo
Deposit HK$536K · loan HK$4.83M · min. income ≈ HK$46,798/mo (50% DSR)
Upfront cash ≈ HK$657K (deposit + AVD stamp duty HK$120,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,495
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$25,152
−HK$666/mo
Today · 4.125%
HK$25,818
baseline
▲ 0.50% · 4.625%
HK$27,179
+HK$1,361/mo
Deposit HK$536K · loan HK$4.83M · min. income ≈ HK$51,636/mo (50% DSR)
Upfront cash ≈ HK$657K (deposit + AVD stamp duty HK$120,699 · 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).