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$12,217
−HK$766/mo
▼ 0.25% · 3.875%
HK$12,597
−HK$386/mo
Today · 4.125%
HK$12,983
baseline
▲ 0.50% · 4.625%
HK$13,773
+HK$790/mo
Deposit HK$2.68M · loan HK$2.68M · min. income ≈ HK$25,966/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$120,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,591
−HK$734/mo
▼ 0.25% · 3.875%
HK$13,956
−HK$369/mo
Today · 4.125%
HK$14,325
baseline
▲ 0.50% · 4.625%
HK$15,081
+HK$756/mo
Deposit HK$2.68M · loan HK$2.68M · min. income ≈ HK$28,650/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$120,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,660
−HK$920/mo
▼ 0.25% · 3.875%
HK$15,116
−HK$464/mo
Today · 4.125%
HK$15,580
baseline
▲ 0.50% · 4.625%
HK$16,528
+HK$948/mo
Deposit HK$2.14M · loan HK$3.21M · min. income ≈ HK$31,160/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,309
−HK$881/mo
▼ 0.25% · 3.875%
HK$16,747
−HK$443/mo
Today · 4.125%
HK$17,190
baseline
▲ 0.50% · 4.625%
HK$18,097
+HK$907/mo
Deposit HK$2.14M · loan HK$3.21M · min. income ≈ HK$34,380/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,104
−HK$1,072/mo
▼ 0.25% · 3.875%
HK$17,636
−HK$540/mo
Today · 4.125%
HK$18,176
baseline
▲ 0.50% · 4.625%
HK$19,282
+HK$1,106/mo
Deposit HK$1.61M · loan HK$3.75M · min. income ≈ HK$36,352/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,028
−HK$1,028/mo
▼ 0.25% · 3.875%
HK$19,538
−HK$518/mo
Today · 4.125%
HK$20,056
baseline
▲ 0.50% · 4.625%
HK$21,113
+HK$1,057/mo
Deposit HK$1.61M · loan HK$3.75M · min. income ≈ HK$40,112/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,990
−HK$1,379/mo
▼ 0.25% · 3.875%
HK$22,674
−HK$695/mo
Today · 4.125%
HK$23,369
baseline
▲ 0.50% · 4.625%
HK$24,791
+HK$1,422/mo
Deposit HK$536K · loan HK$4.82M · min. income ≈ HK$46,738/mo (50% DSR)
Upfront cash ≈ HK$656K (deposit + AVD stamp duty HK$120,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,464
−HK$1,322/mo
▼ 0.25% · 3.875%
HK$25,120
−HK$666/mo
Today · 4.125%
HK$25,786
baseline
▲ 0.50% · 4.625%
HK$27,145
+HK$1,359/mo
Deposit HK$536K · loan HK$4.82M · min. income ≈ HK$51,572/mo (50% DSR)
Upfront cash ≈ HK$656K (deposit + AVD stamp duty HK$120,548 · 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).