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$12,236
−HK$767/mo
▼ 0.25% · 3.875%
HK$12,617
−HK$386/mo
Today · 4.125%
HK$13,003
baseline
▲ 0.50% · 4.625%
HK$13,795
+HK$792/mo
Deposit HK$2.68M · loan HK$2.68M · min. income ≈ HK$26,006/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$120,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,612
−HK$736/mo
▼ 0.25% · 3.875%
HK$13,978
−HK$370/mo
Today · 4.125%
HK$14,348
baseline
▲ 0.50% · 4.625%
HK$15,104
+HK$756/mo
Deposit HK$2.68M · loan HK$2.68M · min. income ≈ HK$28,696/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$120,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,683
−HK$921/mo
▼ 0.25% · 3.875%
HK$15,140
−HK$464/mo
Today · 4.125%
HK$15,604
baseline
▲ 0.50% · 4.625%
HK$16,553
+HK$949/mo
Deposit HK$2.15M · loan HK$3.22M · min. income ≈ HK$31,208/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$120,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,335
−HK$882/mo
▼ 0.25% · 3.875%
HK$16,773
−HK$444/mo
Today · 4.125%
HK$17,217
baseline
▲ 0.50% · 4.625%
HK$18,125
+HK$908/mo
Deposit HK$2.15M · loan HK$3.22M · min. income ≈ HK$34,434/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$120,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,130
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$17,663
−HK$542/mo
Today · 4.125%
HK$18,205
baseline
▲ 0.50% · 4.625%
HK$19,312
+HK$1,107/mo
Deposit HK$1.61M · loan HK$3.76M · min. income ≈ HK$36,410/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,057
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$19,569
−HK$518/mo
Today · 4.125%
HK$20,087
baseline
▲ 0.50% · 4.625%
HK$21,146
+HK$1,059/mo
Deposit HK$1.61M · loan HK$3.76M · min. income ≈ HK$40,174/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,025
−HK$1,381/mo
▼ 0.25% · 3.875%
HK$22,710
−HK$696/mo
Today · 4.125%
HK$23,406
baseline
▲ 0.50% · 4.625%
HK$24,830
+HK$1,424/mo
Deposit HK$537K · loan HK$4.83M · min. income ≈ HK$46,812/mo (50% DSR)
Upfront cash ≈ HK$657K (deposit + AVD stamp duty HK$120,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,502
−HK$1,324/mo
▼ 0.25% · 3.875%
HK$25,160
−HK$666/mo
Today · 4.125%
HK$25,826
baseline
▲ 0.50% · 4.625%
HK$27,187
+HK$1,361/mo
Deposit HK$537K · loan HK$4.83M · min. income ≈ HK$51,652/mo (50% DSR)
Upfront cash ≈ HK$657K (deposit + AVD stamp duty HK$120,737 · 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).