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$12,185
−HK$764/mo
▼ 0.25% · 3.875%
HK$12,564
−HK$385/mo
Today · 4.125%
HK$12,949
baseline
▲ 0.50% · 4.625%
HK$13,737
+HK$788/mo
Deposit HK$2.67M · loan HK$2.67M · min. income ≈ HK$25,898/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$120,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,555
−HK$733/mo
▼ 0.25% · 3.875%
HK$13,919
−HK$369/mo
Today · 4.125%
HK$14,288
baseline
▲ 0.50% · 4.625%
HK$15,041
+HK$753/mo
Deposit HK$2.67M · loan HK$2.67M · min. income ≈ HK$28,576/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$120,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,622
−HK$917/mo
▼ 0.25% · 3.875%
HK$15,077
−HK$462/mo
Today · 4.125%
HK$15,539
baseline
▲ 0.50% · 4.625%
HK$16,484
+HK$945/mo
Deposit HK$2.14M · loan HK$3.21M · min. income ≈ HK$31,078/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,267
−HK$878/mo
▼ 0.25% · 3.875%
HK$16,703
−HK$442/mo
Today · 4.125%
HK$17,145
baseline
▲ 0.50% · 4.625%
HK$18,049
+HK$904/mo
Deposit HK$2.14M · loan HK$3.21M · min. income ≈ HK$34,290/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,059
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$17,589
−HK$539/mo
Today · 4.125%
HK$18,128
baseline
▲ 0.50% · 4.625%
HK$19,231
+HK$1,103/mo
Deposit HK$1.60M · loan HK$3.74M · min. income ≈ HK$36,256/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$120,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,978
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$19,487
−HK$516/mo
Today · 4.125%
HK$20,003
baseline
▲ 0.50% · 4.625%
HK$21,057
+HK$1,054/mo
Deposit HK$1.60M · loan HK$3.74M · min. income ≈ HK$40,006/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$120,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,933
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$22,615
−HK$693/mo
Today · 4.125%
HK$23,308
baseline
▲ 0.50% · 4.625%
HK$24,726
+HK$1,418/mo
Deposit HK$534K · loan HK$4.81M · min. income ≈ HK$46,616/mo (50% DSR)
Upfront cash ≈ HK$655K (deposit + AVD stamp duty HK$120,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,400
−HK$1,318/mo
▼ 0.25% · 3.875%
HK$25,054
−HK$664/mo
Today · 4.125%
HK$25,718
baseline
▲ 0.50% · 4.625%
HK$27,074
+HK$1,356/mo
Deposit HK$534K · loan HK$4.81M · min. income ≈ HK$51,436/mo (50% DSR)
Upfront cash ≈ HK$655K (deposit + AVD stamp duty HK$120,231 · 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).