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$12,148
−HK$762/mo
▼ 0.25% · 3.875%
HK$12,526
−HK$384/mo
Today · 4.125%
HK$12,910
baseline
▲ 0.50% · 4.625%
HK$13,696
+HK$786/mo
Deposit HK$2.66M · loan HK$2.66M · min. income ≈ HK$25,820/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$119,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,515
−HK$730/mo
▼ 0.25% · 3.875%
HK$13,877
−HK$368/mo
Today · 4.125%
HK$14,245
baseline
▲ 0.50% · 4.625%
HK$14,996
+HK$751/mo
Deposit HK$2.66M · loan HK$2.66M · min. income ≈ HK$28,490/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$119,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,578
−HK$914/mo
▼ 0.25% · 3.875%
HK$15,032
−HK$460/mo
Today · 4.125%
HK$15,492
baseline
▲ 0.50% · 4.625%
HK$16,435
+HK$943/mo
Deposit HK$2.13M · loan HK$3.20M · min. income ≈ HK$30,984/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$119,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,218
−HK$876/mo
▼ 0.25% · 3.875%
HK$16,653
−HK$441/mo
Today · 4.125%
HK$17,094
baseline
▲ 0.50% · 4.625%
HK$17,995
+HK$901/mo
Deposit HK$2.13M · loan HK$3.20M · min. income ≈ HK$34,188/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$119,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,008
−HK$1,066/mo
▼ 0.25% · 3.875%
HK$17,537
−HK$537/mo
Today · 4.125%
HK$18,074
baseline
▲ 0.50% · 4.625%
HK$19,174
+HK$1,100/mo
Deposit HK$1.60M · loan HK$3.73M · min. income ≈ HK$36,148/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$119,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,921
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$19,428
−HK$515/mo
Today · 4.125%
HK$19,943
baseline
▲ 0.50% · 4.625%
HK$20,994
+HK$1,051/mo
Deposit HK$1.60M · loan HK$3.73M · min. income ≈ HK$39,886/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$119,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,867
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$22,547
−HK$691/mo
Today · 4.125%
HK$23,238
baseline
▲ 0.50% · 4.625%
HK$24,652
+HK$1,414/mo
Deposit HK$533K · loan HK$4.79M · min. income ≈ HK$46,476/mo (50% DSR)
Upfront cash ≈ HK$653K (deposit + AVD stamp duty HK$119,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,327
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$24,979
−HK$662/mo
Today · 4.125%
HK$25,641
baseline
▲ 0.50% · 4.625%
HK$26,993
+HK$1,352/mo
Deposit HK$533K · loan HK$4.79M · min. income ≈ HK$51,282/mo (50% DSR)
Upfront cash ≈ HK$653K (deposit + AVD stamp duty HK$119,872 · 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).