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$12,166
−HK$762/mo
▼ 0.25% · 3.875%
HK$12,544
−HK$384/mo
Today · 4.125%
HK$12,928
baseline
▲ 0.50% · 4.625%
HK$13,715
+HK$787/mo
Deposit HK$2.67M · loan HK$2.67M · min. income ≈ HK$25,856/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$120,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,534
−HK$731/mo
▼ 0.25% · 3.875%
HK$13,897
−HK$368/mo
Today · 4.125%
HK$14,265
baseline
▲ 0.50% · 4.625%
HK$15,017
+HK$752/mo
Deposit HK$2.67M · loan HK$2.67M · min. income ≈ HK$28,530/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$120,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,599
−HK$915/mo
▼ 0.25% · 3.875%
HK$15,053
−HK$461/mo
Today · 4.125%
HK$15,514
baseline
▲ 0.50% · 4.625%
HK$16,458
+HK$944/mo
Deposit HK$2.13M · loan HK$3.20M · min. income ≈ HK$31,028/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$120,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,241
−HK$877/mo
▼ 0.25% · 3.875%
HK$16,676
−HK$442/mo
Today · 4.125%
HK$17,118
baseline
▲ 0.50% · 4.625%
HK$18,021
+HK$903/mo
Deposit HK$2.13M · loan HK$3.20M · min. income ≈ HK$34,236/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$120,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,032
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$17,562
−HK$538/mo
Today · 4.125%
HK$18,100
baseline
▲ 0.50% · 4.625%
HK$19,201
+HK$1,101/mo
Deposit HK$1.60M · loan HK$3.73M · min. income ≈ HK$36,200/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$120,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,948
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$19,456
−HK$515/mo
Today · 4.125%
HK$19,971
baseline
▲ 0.50% · 4.625%
HK$21,024
+HK$1,053/mo
Deposit HK$1.60M · loan HK$3.73M · min. income ≈ HK$39,942/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$120,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,898
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$22,579
−HK$692/mo
Today · 4.125%
HK$23,271
baseline
▲ 0.50% · 4.625%
HK$24,687
+HK$1,416/mo
Deposit HK$534K · loan HK$4.80M · min. income ≈ HK$46,542/mo (50% DSR)
Upfront cash ≈ HK$654K (deposit + AVD stamp duty HK$120,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,361
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$25,015
−HK$662/mo
Today · 4.125%
HK$25,677
baseline
▲ 0.50% · 4.625%
HK$27,031
+HK$1,354/mo
Deposit HK$534K · loan HK$4.80M · min. income ≈ HK$51,354/mo (50% DSR)
Upfront cash ≈ HK$654K (deposit + AVD stamp duty HK$120,042 · 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).