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$12,177
−HK$764/mo
▼ 0.25% · 3.875%
HK$12,556
−HK$385/mo
Today · 4.125%
HK$12,941
baseline
▲ 0.50% · 4.625%
HK$13,729
+HK$788/mo
Deposit HK$2.67M · loan HK$2.67M · min. income ≈ HK$25,882/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$120,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,547
−HK$732/mo
▼ 0.25% · 3.875%
HK$13,911
−HK$368/mo
Today · 4.125%
HK$14,279
baseline
▲ 0.50% · 4.625%
HK$15,032
+HK$753/mo
Deposit HK$2.67M · loan HK$2.67M · min. income ≈ HK$28,558/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$120,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,613
−HK$916/mo
▼ 0.25% · 3.875%
HK$15,068
−HK$461/mo
Today · 4.125%
HK$15,529
baseline
▲ 0.50% · 4.625%
HK$16,474
+HK$945/mo
Deposit HK$2.14M · loan HK$3.20M · min. income ≈ HK$31,058/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,257
−HK$878/mo
▼ 0.25% · 3.875%
HK$16,693
−HK$442/mo
Today · 4.125%
HK$17,135
baseline
▲ 0.50% · 4.625%
HK$18,038
+HK$903/mo
Deposit HK$2.14M · loan HK$3.20M · min. income ≈ HK$34,270/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,048
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$17,579
−HK$539/mo
Today · 4.125%
HK$18,118
baseline
▲ 0.50% · 4.625%
HK$19,220
+HK$1,102/mo
Deposit HK$1.60M · loan HK$3.74M · min. income ≈ HK$36,236/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$120,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,966
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$19,475
−HK$516/mo
Today · 4.125%
HK$19,991
baseline
▲ 0.50% · 4.625%
HK$21,045
+HK$1,054/mo
Deposit HK$1.60M · loan HK$3.74M · min. income ≈ HK$39,982/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$120,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,919
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$22,601
−HK$693/mo
Today · 4.125%
HK$23,294
baseline
▲ 0.50% · 4.625%
HK$24,711
+HK$1,417/mo
Deposit HK$534K · loan HK$4.81M · min. income ≈ HK$46,588/mo (50% DSR)
Upfront cash ≈ HK$654K (deposit + AVD stamp duty HK$120,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,385
−HK$1,318/mo
▼ 0.25% · 3.875%
HK$25,039
−HK$664/mo
Today · 4.125%
HK$25,703
baseline
▲ 0.50% · 4.625%
HK$27,058
+HK$1,355/mo
Deposit HK$534K · loan HK$4.81M · min. income ≈ HK$51,406/mo (50% DSR)
Upfront cash ≈ HK$654K (deposit + AVD stamp duty HK$120,160 · 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).