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$12,157
−HK$763/mo
▼ 0.25% · 3.875%
HK$12,535
−HK$385/mo
Today · 4.125%
HK$12,920
baseline
▲ 0.50% · 4.625%
HK$13,706
+HK$786/mo
Deposit HK$2.67M · loan HK$2.67M · min. income ≈ HK$25,840/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$119,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,525
−HK$730/mo
▼ 0.25% · 3.875%
HK$13,887
−HK$368/mo
Today · 4.125%
HK$14,255
baseline
▲ 0.50% · 4.625%
HK$15,007
+HK$752/mo
Deposit HK$2.67M · loan HK$2.67M · min. income ≈ HK$28,510/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$119,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,589
−HK$914/mo
▼ 0.25% · 3.875%
HK$15,042
−HK$461/mo
Today · 4.125%
HK$15,503
baseline
▲ 0.50% · 4.625%
HK$16,447
+HK$944/mo
Deposit HK$2.13M · loan HK$3.20M · min. income ≈ HK$31,006/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$119,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,230
−HK$876/mo
▼ 0.25% · 3.875%
HK$16,665
−HK$441/mo
Today · 4.125%
HK$17,106
baseline
▲ 0.50% · 4.625%
HK$18,008
+HK$902/mo
Deposit HK$2.13M · loan HK$3.20M · min. income ≈ HK$34,212/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$119,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,020
−HK$1,067/mo
▼ 0.25% · 3.875%
HK$17,549
−HK$538/mo
Today · 4.125%
HK$18,087
baseline
▲ 0.50% · 4.625%
HK$19,188
+HK$1,101/mo
Deposit HK$1.60M · loan HK$3.73M · min. income ≈ HK$36,174/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$119,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,935
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$19,442
−HK$516/mo
Today · 4.125%
HK$19,958
baseline
▲ 0.50% · 4.625%
HK$21,010
+HK$1,052/mo
Deposit HK$1.60M · loan HK$3.73M · min. income ≈ HK$39,916/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$119,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,883
−HK$1,372/mo
▼ 0.25% · 3.875%
HK$22,564
−HK$691/mo
Today · 4.125%
HK$23,255
baseline
▲ 0.50% · 4.625%
HK$24,670
+HK$1,415/mo
Deposit HK$533K · loan HK$4.80M · min. income ≈ HK$46,510/mo (50% DSR)
Upfront cash ≈ HK$653K (deposit + AVD stamp duty HK$119,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,344
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$24,997
−HK$663/mo
Today · 4.125%
HK$25,660
baseline
▲ 0.50% · 4.625%
HK$27,012
+HK$1,352/mo
Deposit HK$533K · loan HK$4.80M · min. income ≈ HK$51,320/mo (50% DSR)
Upfront cash ≈ HK$653K (deposit + AVD stamp duty HK$119,959 · 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).