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$12,253
−HK$768/mo
▼ 0.25% · 3.875%
HK$12,634
−HK$387/mo
Today · 4.125%
HK$13,021
baseline
▲ 0.50% · 4.625%
HK$13,813
+HK$792/mo
Deposit HK$2.69M · loan HK$2.69M · min. income ≈ HK$26,042/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$120,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,631
−HK$736/mo
▼ 0.25% · 3.875%
HK$13,997
−HK$370/mo
Today · 4.125%
HK$14,367
baseline
▲ 0.50% · 4.625%
HK$15,125
+HK$758/mo
Deposit HK$2.69M · loan HK$2.69M · min. income ≈ HK$28,734/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$120,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,703
−HK$922/mo
▼ 0.25% · 3.875%
HK$15,161
−HK$464/mo
Today · 4.125%
HK$15,625
baseline
▲ 0.50% · 4.625%
HK$16,576
+HK$951/mo
Deposit HK$2.15M · loan HK$3.22M · min. income ≈ HK$31,250/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$120,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,357
−HK$884/mo
▼ 0.25% · 3.875%
HK$16,796
−HK$445/mo
Today · 4.125%
HK$17,241
baseline
▲ 0.50% · 4.625%
HK$18,150
+HK$909/mo
Deposit HK$2.15M · loan HK$3.22M · min. income ≈ HK$34,482/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$120,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,154
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$17,687
−HK$542/mo
Today · 4.125%
HK$18,229
baseline
▲ 0.50% · 4.625%
HK$19,339
+HK$1,110/mo
Deposit HK$1.61M · loan HK$3.76M · min. income ≈ HK$36,458/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,083
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$19,595
−HK$519/mo
Today · 4.125%
HK$20,114
baseline
▲ 0.50% · 4.625%
HK$21,175
+HK$1,061/mo
Deposit HK$1.61M · loan HK$3.76M · min. income ≈ HK$40,228/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,055
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$22,741
−HK$697/mo
Today · 4.125%
HK$23,438
baseline
▲ 0.50% · 4.625%
HK$24,864
+HK$1,426/mo
Deposit HK$537K · loan HK$4.84M · min. income ≈ HK$46,876/mo (50% DSR)
Upfront cash ≈ HK$658K (deposit + AVD stamp duty HK$120,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,536
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$25,194
−HK$667/mo
Today · 4.125%
HK$25,861
baseline
▲ 0.50% · 4.625%
HK$27,225
+HK$1,364/mo
Deposit HK$537K · loan HK$4.84M · min. income ≈ HK$51,722/mo (50% DSR)
Upfront cash ≈ HK$658K (deposit + AVD stamp duty HK$120,902 · 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).