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$12,137
−HK$762/mo
▼ 0.25% · 3.875%
HK$12,515
−HK$384/mo
Today · 4.125%
HK$12,899
baseline
▲ 0.50% · 4.625%
HK$13,683
+HK$784/mo
Deposit HK$2.66M · loan HK$2.66M · min. income ≈ HK$25,798/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$119,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,503
−HK$729/mo
▼ 0.25% · 3.875%
HK$13,865
−HK$367/mo
Today · 4.125%
HK$14,232
baseline
▲ 0.50% · 4.625%
HK$14,983
+HK$751/mo
Deposit HK$2.66M · loan HK$2.66M · min. income ≈ HK$28,464/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$119,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,565
−HK$913/mo
▼ 0.25% · 3.875%
HK$15,018
−HK$460/mo
Today · 4.125%
HK$15,478
baseline
▲ 0.50% · 4.625%
HK$16,420
+HK$942/mo
Deposit HK$2.13M · loan HK$3.19M · min. income ≈ HK$30,956/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$119,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,203
−HK$876/mo
▼ 0.25% · 3.875%
HK$16,638
−HK$441/mo
Today · 4.125%
HK$17,079
baseline
▲ 0.50% · 4.625%
HK$17,979
+HK$900/mo
Deposit HK$2.13M · loan HK$3.19M · min. income ≈ HK$34,158/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$119,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,992
−HK$1,066/mo
▼ 0.25% · 3.875%
HK$17,521
−HK$537/mo
Today · 4.125%
HK$18,058
baseline
▲ 0.50% · 4.625%
HK$19,157
+HK$1,099/mo
Deposit HK$1.60M · loan HK$3.73M · min. income ≈ HK$36,116/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$119,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,904
−HK$1,021/mo
▼ 0.25% · 3.875%
HK$19,411
−HK$514/mo
Today · 4.125%
HK$19,925
baseline
▲ 0.50% · 4.625%
HK$20,976
+HK$1,051/mo
Deposit HK$1.60M · loan HK$3.73M · min. income ≈ HK$39,850/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$119,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,847
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$22,527
−HK$690/mo
Today · 4.125%
HK$23,217
baseline
▲ 0.50% · 4.625%
HK$24,630
+HK$1,413/mo
Deposit HK$532K · loan HK$4.79M · min. income ≈ HK$46,434/mo (50% DSR)
Upfront cash ≈ HK$652K (deposit + AVD stamp duty HK$119,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,305
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$24,957
−HK$661/mo
Today · 4.125%
HK$25,618
baseline
▲ 0.50% · 4.625%
HK$26,969
+HK$1,351/mo
Deposit HK$532K · loan HK$4.79M · min. income ≈ HK$51,236/mo (50% DSR)
Upfront cash ≈ HK$652K (deposit + AVD stamp duty HK$119,765 · 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).