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$12,252
−HK$768/mo
▼ 0.25% · 3.875%
HK$12,633
−HK$387/mo
Today · 4.125%
HK$13,020
baseline
▲ 0.50% · 4.625%
HK$13,812
+HK$792/mo
Deposit HK$2.69M · loan HK$2.69M · min. income ≈ HK$26,040/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$120,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,630
−HK$736/mo
▼ 0.25% · 3.875%
HK$13,995
−HK$371/mo
Today · 4.125%
HK$14,366
baseline
▲ 0.50% · 4.625%
HK$15,124
+HK$758/mo
Deposit HK$2.69M · loan HK$2.69M · min. income ≈ HK$28,732/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$120,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,702
−HK$922/mo
▼ 0.25% · 3.875%
HK$15,159
−HK$465/mo
Today · 4.125%
HK$15,624
baseline
▲ 0.50% · 4.625%
HK$16,575
+HK$951/mo
Deposit HK$2.15M · loan HK$3.22M · min. income ≈ HK$31,248/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$120,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,356
−HK$884/mo
▼ 0.25% · 3.875%
HK$16,795
−HK$445/mo
Today · 4.125%
HK$17,240
baseline
▲ 0.50% · 4.625%
HK$18,148
+HK$908/mo
Deposit HK$2.15M · loan HK$3.22M · min. income ≈ HK$34,480/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$120,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,152
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$17,686
−HK$542/mo
Today · 4.125%
HK$18,228
baseline
▲ 0.50% · 4.625%
HK$19,337
+HK$1,109/mo
Deposit HK$1.61M · loan HK$3.76M · min. income ≈ HK$36,456/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,082
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$19,594
−HK$519/mo
Today · 4.125%
HK$20,113
baseline
▲ 0.50% · 4.625%
HK$21,173
+HK$1,060/mo
Deposit HK$1.61M · loan HK$3.76M · min. income ≈ HK$40,226/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,053
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$22,739
−HK$697/mo
Today · 4.125%
HK$23,436
baseline
▲ 0.50% · 4.625%
HK$24,862
+HK$1,426/mo
Deposit HK$537K · loan HK$4.84M · min. income ≈ HK$46,872/mo (50% DSR)
Upfront cash ≈ HK$658K (deposit + AVD stamp duty HK$120,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,534
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$25,192
−HK$667/mo
Today · 4.125%
HK$25,859
baseline
▲ 0.50% · 4.625%
HK$27,222
+HK$1,363/mo
Deposit HK$537K · loan HK$4.84M · min. income ≈ HK$51,718/mo (50% DSR)
Upfront cash ≈ HK$658K (deposit + AVD stamp duty HK$120,892 · 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).