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$12,200
−HK$765/mo
▼ 0.25% · 3.875%
HK$12,579
−HK$386/mo
Today · 4.125%
HK$12,965
baseline
▲ 0.50% · 4.625%
HK$13,754
+HK$789/mo
Deposit HK$2.68M · loan HK$2.68M · min. income ≈ HK$25,930/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$120,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,572
−HK$733/mo
▼ 0.25% · 3.875%
HK$13,936
−HK$369/mo
Today · 4.125%
HK$14,305
baseline
▲ 0.50% · 4.625%
HK$15,059
+HK$754/mo
Deposit HK$2.68M · loan HK$2.68M · min. income ≈ HK$28,610/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$120,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,640
−HK$918/mo
▼ 0.25% · 3.875%
HK$15,095
−HK$463/mo
Today · 4.125%
HK$15,558
baseline
▲ 0.50% · 4.625%
HK$16,504
+HK$946/mo
Deposit HK$2.14M · loan HK$3.21M · min. income ≈ HK$31,116/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,286
−HK$880/mo
▼ 0.25% · 3.875%
HK$16,723
−HK$443/mo
Today · 4.125%
HK$17,166
baseline
▲ 0.50% · 4.625%
HK$18,071
+HK$905/mo
Deposit HK$2.14M · loan HK$3.21M · min. income ≈ HK$34,332/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,080
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$17,611
−HK$540/mo
Today · 4.125%
HK$18,151
baseline
▲ 0.50% · 4.625%
HK$19,255
+HK$1,104/mo
Deposit HK$1.61M · loan HK$3.75M · min. income ≈ HK$36,302/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,001
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$19,510
−HK$517/mo
Today · 4.125%
HK$20,027
baseline
▲ 0.50% · 4.625%
HK$21,083
+HK$1,056/mo
Deposit HK$1.61M · loan HK$3.75M · min. income ≈ HK$40,054/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,959
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$22,642
−HK$694/mo
Today · 4.125%
HK$23,336
baseline
▲ 0.50% · 4.625%
HK$24,756
+HK$1,420/mo
Deposit HK$535K · loan HK$4.82M · min. income ≈ HK$46,672/mo (50% DSR)
Upfront cash ≈ HK$655K (deposit + AVD stamp duty HK$120,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,430
−HK$1,319/mo
▼ 0.25% · 3.875%
HK$25,085
−HK$664/mo
Today · 4.125%
HK$25,749
baseline
▲ 0.50% · 4.625%
HK$27,107
+HK$1,358/mo
Deposit HK$535K · loan HK$4.82M · min. income ≈ HK$51,498/mo (50% DSR)
Upfront cash ≈ HK$655K (deposit + AVD stamp duty HK$120,378 · 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).