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$12,222
−HK$767/mo
▼ 0.25% · 3.875%
HK$12,602
−HK$387/mo
Today · 4.125%
HK$12,989
baseline
▲ 0.50% · 4.625%
HK$13,779
+HK$790/mo
Deposit HK$2.68M · loan HK$2.68M · min. income ≈ HK$25,978/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$120,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,597
−HK$735/mo
▼ 0.25% · 3.875%
HK$13,962
−HK$370/mo
Today · 4.125%
HK$14,332
baseline
▲ 0.50% · 4.625%
HK$15,087
+HK$755/mo
Deposit HK$2.68M · loan HK$2.68M · min. income ≈ HK$28,664/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$120,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,667
−HK$919/mo
▼ 0.25% · 3.875%
HK$15,123
−HK$463/mo
Today · 4.125%
HK$15,586
baseline
▲ 0.50% · 4.625%
HK$16,535
+HK$949/mo
Deposit HK$2.14M · loan HK$3.22M · min. income ≈ HK$31,172/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,317
−HK$881/mo
▼ 0.25% · 3.875%
HK$16,754
−HK$444/mo
Today · 4.125%
HK$17,198
baseline
▲ 0.50% · 4.625%
HK$18,105
+HK$907/mo
Deposit HK$2.14M · loan HK$3.22M · min. income ≈ HK$34,396/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,111
−HK$1,073/mo
▼ 0.25% · 3.875%
HK$17,643
−HK$541/mo
Today · 4.125%
HK$18,184
baseline
▲ 0.50% · 4.625%
HK$19,291
+HK$1,107/mo
Deposit HK$1.61M · loan HK$3.75M · min. income ≈ HK$36,368/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,036
−HK$1,028/mo
▼ 0.25% · 3.875%
HK$19,547
−HK$517/mo
Today · 4.125%
HK$20,064
baseline
▲ 0.50% · 4.625%
HK$21,122
+HK$1,058/mo
Deposit HK$1.61M · loan HK$3.75M · min. income ≈ HK$40,128/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,000
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$22,684
−HK$696/mo
Today · 4.125%
HK$23,380
baseline
▲ 0.50% · 4.625%
HK$24,802
+HK$1,422/mo
Deposit HK$536K · loan HK$4.82M · min. income ≈ HK$46,760/mo (50% DSR)
Upfront cash ≈ HK$657K (deposit + AVD stamp duty HK$120,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,475
−HK$1,322/mo
▼ 0.25% · 3.875%
HK$25,131
−HK$666/mo
Today · 4.125%
HK$25,797
baseline
▲ 0.50% · 4.625%
HK$27,157
+HK$1,360/mo
Deposit HK$536K · loan HK$4.82M · min. income ≈ HK$51,594/mo (50% DSR)
Upfront cash ≈ HK$657K (deposit + AVD stamp duty HK$120,602 · 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).