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$12,153
−HK$763/mo
▼ 0.25% · 3.875%
HK$12,532
−HK$384/mo
Today · 4.125%
HK$12,916
baseline
▲ 0.50% · 4.625%
HK$13,701
+HK$785/mo
Deposit HK$2.66M · loan HK$2.66M · min. income ≈ HK$25,832/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$119,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,521
−HK$730/mo
▼ 0.25% · 3.875%
HK$13,883
−HK$368/mo
Today · 4.125%
HK$14,251
baseline
▲ 0.50% · 4.625%
HK$15,002
+HK$751/mo
Deposit HK$2.66M · loan HK$2.66M · min. income ≈ HK$28,502/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$119,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,584
−HK$915/mo
▼ 0.25% · 3.875%
HK$15,038
−HK$461/mo
Today · 4.125%
HK$15,499
baseline
▲ 0.50% · 4.625%
HK$16,442
+HK$943/mo
Deposit HK$2.13M · loan HK$3.20M · min. income ≈ HK$30,998/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$119,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,225
−HK$876/mo
▼ 0.25% · 3.875%
HK$16,660
−HK$441/mo
Today · 4.125%
HK$17,101
baseline
▲ 0.50% · 4.625%
HK$18,003
+HK$902/mo
Deposit HK$2.13M · loan HK$3.20M · min. income ≈ HK$34,202/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$119,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,015
−HK$1,067/mo
▼ 0.25% · 3.875%
HK$17,544
−HK$538/mo
Today · 4.125%
HK$18,082
baseline
▲ 0.50% · 4.625%
HK$19,182
+HK$1,100/mo
Deposit HK$1.60M · loan HK$3.73M · min. income ≈ HK$36,164/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$119,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,929
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$19,437
−HK$515/mo
Today · 4.125%
HK$19,952
baseline
▲ 0.50% · 4.625%
HK$21,003
+HK$1,051/mo
Deposit HK$1.60M · loan HK$3.73M · min. income ≈ HK$39,904/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$119,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,876
−HK$1,372/mo
▼ 0.25% · 3.875%
HK$22,557
−HK$691/mo
Today · 4.125%
HK$23,248
baseline
▲ 0.50% · 4.625%
HK$24,663
+HK$1,415/mo
Deposit HK$533K · loan HK$4.80M · min. income ≈ HK$46,496/mo (50% DSR)
Upfront cash ≈ HK$653K (deposit + AVD stamp duty HK$119,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,337
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$24,990
−HK$662/mo
Today · 4.125%
HK$25,652
baseline
▲ 0.50% · 4.625%
HK$27,004
+HK$1,352/mo
Deposit HK$533K · loan HK$4.80M · min. income ≈ HK$51,304/mo (50% DSR)
Upfront cash ≈ HK$653K (deposit + AVD stamp duty HK$119,923 · 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).