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$12,156
−HK$762/mo
▼ 0.25% · 3.875%
HK$12,534
−HK$384/mo
Today · 4.125%
HK$12,918
baseline
▲ 0.50% · 4.625%
HK$13,704
+HK$786/mo
Deposit HK$2.67M · loan HK$2.67M · min. income ≈ HK$25,836/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$119,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,523
−HK$731/mo
▼ 0.25% · 3.875%
HK$13,886
−HK$368/mo
Today · 4.125%
HK$14,254
baseline
▲ 0.50% · 4.625%
HK$15,005
+HK$751/mo
Deposit HK$2.67M · loan HK$2.67M · min. income ≈ HK$28,508/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$119,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,587
−HK$914/mo
▼ 0.25% · 3.875%
HK$15,041
−HK$460/mo
Today · 4.125%
HK$15,501
baseline
▲ 0.50% · 4.625%
HK$16,445
+HK$944/mo
Deposit HK$2.13M · loan HK$3.20M · min. income ≈ HK$31,002/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$119,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,228
−HK$876/mo
▼ 0.25% · 3.875%
HK$16,663
−HK$441/mo
Today · 4.125%
HK$17,104
baseline
▲ 0.50% · 4.625%
HK$18,006
+HK$902/mo
Deposit HK$2.13M · loan HK$3.20M · min. income ≈ HK$34,208/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$119,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,018
−HK$1,067/mo
▼ 0.25% · 3.875%
HK$17,547
−HK$538/mo
Today · 4.125%
HK$18,085
baseline
▲ 0.50% · 4.625%
HK$19,186
+HK$1,101/mo
Deposit HK$1.60M · loan HK$3.73M · min. income ≈ HK$36,170/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$119,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,932
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$19,440
−HK$515/mo
Today · 4.125%
HK$19,955
baseline
▲ 0.50% · 4.625%
HK$21,007
+HK$1,052/mo
Deposit HK$1.60M · loan HK$3.73M · min. income ≈ HK$39,910/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$119,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,880
−HK$1,372/mo
▼ 0.25% · 3.875%
HK$22,561
−HK$691/mo
Today · 4.125%
HK$23,252
baseline
▲ 0.50% · 4.625%
HK$24,667
+HK$1,415/mo
Deposit HK$533K · loan HK$4.80M · min. income ≈ HK$46,504/mo (50% DSR)
Upfront cash ≈ HK$653K (deposit + AVD stamp duty HK$119,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,341
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$24,994
−HK$663/mo
Today · 4.125%
HK$25,657
baseline
▲ 0.50% · 4.625%
HK$27,009
+HK$1,352/mo
Deposit HK$533K · loan HK$4.80M · min. income ≈ HK$51,314/mo (50% DSR)
Upfront cash ≈ HK$653K (deposit + AVD stamp duty HK$119,944 · 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).