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$12,181
−HK$764/mo
▼ 0.25% · 3.875%
HK$12,560
−HK$385/mo
Today · 4.125%
HK$12,945
baseline
▲ 0.50% · 4.625%
HK$13,732
+HK$787/mo
Deposit HK$2.67M · loan HK$2.67M · min. income ≈ HK$25,890/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$120,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,551
−HK$732/mo
▼ 0.25% · 3.875%
HK$13,914
−HK$369/mo
Today · 4.125%
HK$14,283
baseline
▲ 0.50% · 4.625%
HK$15,036
+HK$753/mo
Deposit HK$2.67M · loan HK$2.67M · min. income ≈ HK$28,566/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$120,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,617
−HK$916/mo
▼ 0.25% · 3.875%
HK$15,072
−HK$461/mo
Today · 4.125%
HK$15,533
baseline
▲ 0.50% · 4.625%
HK$16,479
+HK$946/mo
Deposit HK$2.14M · loan HK$3.21M · min. income ≈ HK$31,066/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,261
−HK$879/mo
▼ 0.25% · 3.875%
HK$16,697
−HK$443/mo
Today · 4.125%
HK$17,140
baseline
▲ 0.50% · 4.625%
HK$18,043
+HK$903/mo
Deposit HK$2.14M · loan HK$3.21M · min. income ≈ HK$34,280/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,053
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$17,583
−HK$539/mo
Today · 4.125%
HK$18,122
baseline
▲ 0.50% · 4.625%
HK$19,225
+HK$1,103/mo
Deposit HK$1.60M · loan HK$3.74M · min. income ≈ HK$36,244/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$120,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,971
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$19,480
−HK$516/mo
Today · 4.125%
HK$19,996
baseline
▲ 0.50% · 4.625%
HK$21,050
+HK$1,054/mo
Deposit HK$1.60M · loan HK$3.74M · min. income ≈ HK$39,992/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$120,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,925
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$22,607
−HK$693/mo
Today · 4.125%
HK$23,300
baseline
▲ 0.50% · 4.625%
HK$24,718
+HK$1,418/mo
Deposit HK$534K · loan HK$4.81M · min. income ≈ HK$46,600/mo (50% DSR)
Upfront cash ≈ HK$654K (deposit + AVD stamp duty HK$120,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,392
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$25,046
−HK$663/mo
Today · 4.125%
HK$25,709
baseline
▲ 0.50% · 4.625%
HK$27,065
+HK$1,356/mo
Deposit HK$534K · loan HK$4.81M · min. income ≈ HK$51,418/mo (50% DSR)
Upfront cash ≈ HK$654K (deposit + AVD stamp duty HK$120,191 · 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).