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$12,280
−HK$770/mo
▼ 0.25% · 3.875%
HK$12,661
−HK$389/mo
Today · 4.125%
HK$13,050
baseline
▲ 0.50% · 4.625%
HK$13,844
+HK$794/mo
Deposit HK$2.69M · loan HK$2.69M · min. income ≈ HK$26,100/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$121,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,661
−HK$738/mo
▼ 0.25% · 3.875%
HK$14,027
−HK$372/mo
Today · 4.125%
HK$14,399
baseline
▲ 0.50% · 4.625%
HK$15,158
+HK$759/mo
Deposit HK$2.69M · loan HK$2.69M · min. income ≈ HK$28,798/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$121,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,735
−HK$924/mo
▼ 0.25% · 3.875%
HK$15,194
−HK$465/mo
Today · 4.125%
HK$15,659
baseline
▲ 0.50% · 4.625%
HK$16,612
+HK$953/mo
Deposit HK$2.15M · loan HK$3.23M · min. income ≈ HK$31,318/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,393
−HK$886/mo
▼ 0.25% · 3.875%
HK$16,833
−HK$446/mo
Today · 4.125%
HK$17,279
baseline
▲ 0.50% · 4.625%
HK$18,189
+HK$910/mo
Deposit HK$2.15M · loan HK$3.23M · min. income ≈ HK$34,558/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,191
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$17,726
−HK$543/mo
Today · 4.125%
HK$18,269
baseline
▲ 0.50% · 4.625%
HK$19,381
+HK$1,112/mo
Deposit HK$1.62M · loan HK$3.77M · min. income ≈ HK$36,538/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,125
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$19,638
−HK$520/mo
Today · 4.125%
HK$20,158
baseline
▲ 0.50% · 4.625%
HK$21,221
+HK$1,063/mo
Deposit HK$1.62M · loan HK$3.77M · min. income ≈ HK$40,316/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,103
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$22,791
−HK$698/mo
Today · 4.125%
HK$23,489
baseline
▲ 0.50% · 4.625%
HK$24,918
+HK$1,429/mo
Deposit HK$539K · loan HK$4.85M · min. income ≈ HK$46,978/mo (50% DSR)
Upfront cash ≈ HK$660K (deposit + AVD stamp duty HK$121,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,590
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$25,249
−HK$669/mo
Today · 4.125%
HK$25,918
baseline
▲ 0.50% · 4.625%
HK$27,284
+HK$1,366/mo
Deposit HK$539K · loan HK$4.85M · min. income ≈ HK$51,836/mo (50% DSR)
Upfront cash ≈ HK$660K (deposit + AVD stamp duty HK$121,166 · 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).