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$12,235
−HK$767/mo
▼ 0.25% · 3.875%
HK$12,615
−HK$387/mo
Today · 4.125%
HK$13,002
baseline
▲ 0.50% · 4.625%
HK$13,793
+HK$791/mo
Deposit HK$2.68M · loan HK$2.68M · min. income ≈ HK$26,004/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$120,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,611
−HK$735/mo
▼ 0.25% · 3.875%
HK$13,976
−HK$370/mo
Today · 4.125%
HK$14,346
baseline
▲ 0.50% · 4.625%
HK$15,103
+HK$757/mo
Deposit HK$2.68M · loan HK$2.68M · min. income ≈ HK$28,692/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$120,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,682
−HK$920/mo
▼ 0.25% · 3.875%
HK$15,138
−HK$464/mo
Today · 4.125%
HK$15,602
baseline
▲ 0.50% · 4.625%
HK$16,552
+HK$950/mo
Deposit HK$2.15M · loan HK$3.22M · min. income ≈ HK$31,204/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$120,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,333
−HK$883/mo
▼ 0.25% · 3.875%
HK$16,771
−HK$445/mo
Today · 4.125%
HK$17,216
baseline
▲ 0.50% · 4.625%
HK$18,123
+HK$907/mo
Deposit HK$2.15M · loan HK$3.22M · min. income ≈ HK$34,432/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$120,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,129
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$17,661
−HK$542/mo
Today · 4.125%
HK$18,203
baseline
▲ 0.50% · 4.625%
HK$19,310
+HK$1,107/mo
Deposit HK$1.61M · loan HK$3.76M · min. income ≈ HK$36,406/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,055
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$19,567
−HK$518/mo
Today · 4.125%
HK$20,085
baseline
▲ 0.50% · 4.625%
HK$21,144
+HK$1,059/mo
Deposit HK$1.61M · loan HK$3.76M · min. income ≈ HK$40,170/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,023
−HK$1,381/mo
▼ 0.25% · 3.875%
HK$22,708
−HK$696/mo
Today · 4.125%
HK$23,404
baseline
▲ 0.50% · 4.625%
HK$24,828
+HK$1,424/mo
Deposit HK$537K · loan HK$4.83M · min. income ≈ HK$46,808/mo (50% DSR)
Upfront cash ≈ HK$657K (deposit + AVD stamp duty HK$120,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,500
−HK$1,324/mo
▼ 0.25% · 3.875%
HK$25,157
−HK$667/mo
Today · 4.125%
HK$25,824
baseline
▲ 0.50% · 4.625%
HK$27,185
+HK$1,361/mo
Deposit HK$537K · loan HK$4.83M · min. income ≈ HK$51,648/mo (50% DSR)
Upfront cash ≈ HK$657K (deposit + AVD stamp duty HK$120,725 · 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).