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$12,126
−HK$761/mo
▼ 0.25% · 3.875%
HK$12,504
−HK$383/mo
Today · 4.125%
HK$12,887
baseline
▲ 0.50% · 4.625%
HK$13,671
+HK$784/mo
Deposit HK$2.66M · loan HK$2.66M · min. income ≈ HK$25,774/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$119,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,491
−HK$728/mo
▼ 0.25% · 3.875%
HK$13,852
−HK$367/mo
Today · 4.125%
HK$14,219
baseline
▲ 0.50% · 4.625%
HK$14,969
+HK$750/mo
Deposit HK$2.66M · loan HK$2.66M · min. income ≈ HK$28,438/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$119,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,552
−HK$912/mo
▼ 0.25% · 3.875%
HK$15,004
−HK$460/mo
Today · 4.125%
HK$15,464
baseline
▲ 0.50% · 4.625%
HK$16,405
+HK$941/mo
Deposit HK$2.13M · loan HK$3.19M · min. income ≈ HK$30,928/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$119,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,189
−HK$874/mo
▼ 0.25% · 3.875%
HK$16,623
−HK$440/mo
Today · 4.125%
HK$17,063
baseline
▲ 0.50% · 4.625%
HK$17,963
+HK$900/mo
Deposit HK$2.13M · loan HK$3.19M · min. income ≈ HK$34,126/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$119,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,977
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$17,505
−HK$537/mo
Today · 4.125%
HK$18,042
baseline
▲ 0.50% · 4.625%
HK$19,139
+HK$1,097/mo
Deposit HK$1.60M · loan HK$3.72M · min. income ≈ HK$36,084/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$119,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,887
−HK$1,020/mo
▼ 0.25% · 3.875%
HK$19,393
−HK$514/mo
Today · 4.125%
HK$19,907
baseline
▲ 0.50% · 4.625%
HK$20,956
+HK$1,049/mo
Deposit HK$1.60M · loan HK$3.72M · min. income ≈ HK$39,814/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$119,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,828
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$22,507
−HK$689/mo
Today · 4.125%
HK$23,196
baseline
▲ 0.50% · 4.625%
HK$24,608
+HK$1,412/mo
Deposit HK$532K · loan HK$4.79M · min. income ≈ HK$46,392/mo (50% DSR)
Upfront cash ≈ HK$651K (deposit + AVD stamp duty HK$119,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,283
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$24,934
−HK$661/mo
Today · 4.125%
HK$25,595
baseline
▲ 0.50% · 4.625%
HK$26,944
+HK$1,349/mo
Deposit HK$532K · loan HK$4.79M · min. income ≈ HK$51,190/mo (50% DSR)
Upfront cash ≈ HK$651K (deposit + AVD stamp duty HK$119,656 · 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).