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$12,177
−HK$763/mo
▼ 0.25% · 3.875%
HK$12,555
−HK$385/mo
Today · 4.125%
HK$12,940
baseline
▲ 0.50% · 4.625%
HK$13,728
+HK$788/mo
Deposit HK$2.67M · loan HK$2.67M · min. income ≈ HK$25,880/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$120,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,546
−HK$732/mo
▼ 0.25% · 3.875%
HK$13,910
−HK$368/mo
Today · 4.125%
HK$14,278
baseline
▲ 0.50% · 4.625%
HK$15,031
+HK$753/mo
Deposit HK$2.67M · loan HK$2.67M · min. income ≈ HK$28,556/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$120,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,612
−HK$916/mo
▼ 0.25% · 3.875%
HK$15,067
−HK$461/mo
Today · 4.125%
HK$15,528
baseline
▲ 0.50% · 4.625%
HK$16,473
+HK$945/mo
Deposit HK$2.14M · loan HK$3.20M · min. income ≈ HK$31,056/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,256
−HK$878/mo
▼ 0.25% · 3.875%
HK$16,692
−HK$442/mo
Today · 4.125%
HK$17,134
baseline
▲ 0.50% · 4.625%
HK$18,037
+HK$903/mo
Deposit HK$2.14M · loan HK$3.20M · min. income ≈ HK$34,268/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,047
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$17,578
−HK$538/mo
Today · 4.125%
HK$18,116
baseline
▲ 0.50% · 4.625%
HK$19,219
+HK$1,103/mo
Deposit HK$1.60M · loan HK$3.74M · min. income ≈ HK$36,232/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$120,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,965
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$19,474
−HK$516/mo
Today · 4.125%
HK$19,990
baseline
▲ 0.50% · 4.625%
HK$21,043
+HK$1,053/mo
Deposit HK$1.60M · loan HK$3.74M · min. income ≈ HK$39,980/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$120,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,918
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$22,600
−HK$693/mo
Today · 4.125%
HK$23,293
baseline
▲ 0.50% · 4.625%
HK$24,710
+HK$1,417/mo
Deposit HK$534K · loan HK$4.81M · min. income ≈ HK$46,586/mo (50% DSR)
Upfront cash ≈ HK$654K (deposit + AVD stamp duty HK$120,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,384
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$25,038
−HK$663/mo
Today · 4.125%
HK$25,701
baseline
▲ 0.50% · 4.625%
HK$27,056
+HK$1,355/mo
Deposit HK$534K · loan HK$4.81M · min. income ≈ HK$51,402/mo (50% DSR)
Upfront cash ≈ HK$654K (deposit + AVD stamp duty HK$120,152 · 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).