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$12,242
−HK$768/mo
▼ 0.25% · 3.875%
HK$12,623
−HK$387/mo
Today · 4.125%
HK$13,010
baseline
▲ 0.50% · 4.625%
HK$13,801
+HK$791/mo
Deposit HK$2.68M · loan HK$2.68M · min. income ≈ HK$26,020/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$120,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,619
−HK$736/mo
▼ 0.25% · 3.875%
HK$13,984
−HK$371/mo
Today · 4.125%
HK$14,355
baseline
▲ 0.50% · 4.625%
HK$15,111
+HK$756/mo
Deposit HK$2.68M · loan HK$2.68M · min. income ≈ HK$28,710/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$120,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,690
−HK$921/mo
▼ 0.25% · 3.875%
HK$15,147
−HK$464/mo
Today · 4.125%
HK$15,611
baseline
▲ 0.50% · 4.625%
HK$16,561
+HK$950/mo
Deposit HK$2.15M · loan HK$3.22M · min. income ≈ HK$31,222/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$120,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,343
−HK$883/mo
▼ 0.25% · 3.875%
HK$16,781
−HK$445/mo
Today · 4.125%
HK$17,226
baseline
▲ 0.50% · 4.625%
HK$18,134
+HK$908/mo
Deposit HK$2.15M · loan HK$3.22M · min. income ≈ HK$34,452/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$120,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,139
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$17,672
−HK$541/mo
Today · 4.125%
HK$18,213
baseline
▲ 0.50% · 4.625%
HK$19,322
+HK$1,109/mo
Deposit HK$1.61M · loan HK$3.76M · min. income ≈ HK$36,426/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,067
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$19,578
−HK$519/mo
Today · 4.125%
HK$20,097
baseline
▲ 0.50% · 4.625%
HK$21,156
+HK$1,059/mo
Deposit HK$1.61M · loan HK$3.76M · min. income ≈ HK$40,194/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,035
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$22,721
−HK$696/mo
Today · 4.125%
HK$23,417
baseline
▲ 0.50% · 4.625%
HK$24,842
+HK$1,425/mo
Deposit HK$537K · loan HK$4.83M · min. income ≈ HK$46,834/mo (50% DSR)
Upfront cash ≈ HK$658K (deposit + AVD stamp duty HK$120,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,514
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$25,172
−HK$667/mo
Today · 4.125%
HK$25,839
baseline
▲ 0.50% · 4.625%
HK$27,201
+HK$1,362/mo
Deposit HK$537K · loan HK$4.83M · min. income ≈ HK$51,678/mo (50% DSR)
Upfront cash ≈ HK$658K (deposit + AVD stamp duty HK$120,795 · 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).