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$12,206
−HK$766/mo
▼ 0.25% · 3.875%
HK$12,586
−HK$386/mo
Today · 4.125%
HK$12,972
baseline
▲ 0.50% · 4.625%
HK$13,761
+HK$789/mo
Deposit HK$2.68M · loan HK$2.68M · min. income ≈ HK$25,944/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$120,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,579
−HK$734/mo
▼ 0.25% · 3.875%
HK$13,944
−HK$369/mo
Today · 4.125%
HK$14,313
baseline
▲ 0.50% · 4.625%
HK$15,067
+HK$754/mo
Deposit HK$2.68M · loan HK$2.68M · min. income ≈ HK$28,626/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$120,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,648
−HK$918/mo
▼ 0.25% · 3.875%
HK$15,103
−HK$463/mo
Today · 4.125%
HK$15,566
baseline
▲ 0.50% · 4.625%
HK$16,513
+HK$947/mo
Deposit HK$2.14M · loan HK$3.21M · min. income ≈ HK$31,132/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,295
−HK$881/mo
▼ 0.25% · 3.875%
HK$16,732
−HK$444/mo
Today · 4.125%
HK$17,176
baseline
▲ 0.50% · 4.625%
HK$18,081
+HK$905/mo
Deposit HK$2.14M · loan HK$3.21M · min. income ≈ HK$34,352/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,089
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$17,620
−HK$540/mo
Today · 4.125%
HK$18,160
baseline
▲ 0.50% · 4.625%
HK$19,265
+HK$1,105/mo
Deposit HK$1.61M · loan HK$3.75M · min. income ≈ HK$36,320/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,011
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$19,521
−HK$517/mo
Today · 4.125%
HK$20,038
baseline
▲ 0.50% · 4.625%
HK$21,094
+HK$1,056/mo
Deposit HK$1.61M · loan HK$3.75M · min. income ≈ HK$40,076/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,971
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$22,655
−HK$694/mo
Today · 4.125%
HK$23,349
baseline
▲ 0.50% · 4.625%
HK$24,770
+HK$1,421/mo
Deposit HK$535K · loan HK$4.82M · min. income ≈ HK$46,698/mo (50% DSR)
Upfront cash ≈ HK$656K (deposit + AVD stamp duty HK$120,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,443
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$25,098
−HK$665/mo
Today · 4.125%
HK$25,763
baseline
▲ 0.50% · 4.625%
HK$27,121
+HK$1,358/mo
Deposit HK$535K · loan HK$4.82M · min. income ≈ HK$51,526/mo (50% DSR)
Upfront cash ≈ HK$656K (deposit + AVD stamp duty HK$120,444 · 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).