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$12,111
−HK$759/mo
▼ 0.25% · 3.875%
HK$12,487
−HK$383/mo
Today · 4.125%
HK$12,870
baseline
▲ 0.50% · 4.625%
HK$13,653
+HK$783/mo
Deposit HK$2.66M · loan HK$2.66M · min. income ≈ HK$25,740/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$119,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,473
−HK$728/mo
▼ 0.25% · 3.875%
HK$13,834
−HK$367/mo
Today · 4.125%
HK$14,201
baseline
▲ 0.50% · 4.625%
HK$14,950
+HK$749/mo
Deposit HK$2.66M · loan HK$2.66M · min. income ≈ HK$28,402/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$119,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,533
−HK$911/mo
▼ 0.25% · 3.875%
HK$14,985
−HK$459/mo
Today · 4.125%
HK$15,444
baseline
▲ 0.50% · 4.625%
HK$16,384
+HK$940/mo
Deposit HK$2.12M · loan HK$3.19M · min. income ≈ HK$30,888/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,168
−HK$873/mo
▼ 0.25% · 3.875%
HK$16,601
−HK$440/mo
Today · 4.125%
HK$17,041
baseline
▲ 0.50% · 4.625%
HK$17,939
+HK$898/mo
Deposit HK$2.12M · loan HK$3.19M · min. income ≈ HK$34,082/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,955
−HK$1,063/mo
▼ 0.25% · 3.875%
HK$17,482
−HK$536/mo
Today · 4.125%
HK$18,018
baseline
▲ 0.50% · 4.625%
HK$19,115
+HK$1,097/mo
Deposit HK$1.59M · loan HK$3.72M · min. income ≈ HK$36,036/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,862
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$19,368
−HK$513/mo
Today · 4.125%
HK$19,881
baseline
▲ 0.50% · 4.625%
HK$20,929
+HK$1,048/mo
Deposit HK$1.59M · loan HK$3.72M · min. income ≈ HK$39,762/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,799
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$22,477
−HK$689/mo
Today · 4.125%
HK$23,166
baseline
▲ 0.50% · 4.625%
HK$24,576
+HK$1,410/mo
Deposit HK$531K · loan HK$4.78M · min. income ≈ HK$46,332/mo (50% DSR)
Upfront cash ≈ HK$651K (deposit + AVD stamp duty HK$119,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,252
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$24,902
−HK$660/mo
Today · 4.125%
HK$25,562
baseline
▲ 0.50% · 4.625%
HK$26,909
+HK$1,347/mo
Deposit HK$531K · loan HK$4.78M · min. income ≈ HK$51,124/mo (50% DSR)
Upfront cash ≈ HK$651K (deposit + AVD stamp duty HK$119,501 · 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).