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$12,128
−HK$761/mo
▼ 0.25% · 3.875%
HK$12,506
−HK$383/mo
Today · 4.125%
HK$12,889
baseline
▲ 0.50% · 4.625%
HK$13,673
+HK$784/mo
Deposit HK$2.66M · loan HK$2.66M · min. income ≈ HK$25,778/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$119,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,493
−HK$729/mo
▼ 0.25% · 3.875%
HK$13,855
−HK$367/mo
Today · 4.125%
HK$14,222
baseline
▲ 0.50% · 4.625%
HK$14,971
+HK$749/mo
Deposit HK$2.66M · loan HK$2.66M · min. income ≈ HK$28,444/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$119,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,554
−HK$913/mo
▼ 0.25% · 3.875%
HK$15,007
−HK$460/mo
Today · 4.125%
HK$15,467
baseline
▲ 0.50% · 4.625%
HK$16,408
+HK$941/mo
Deposit HK$2.13M · loan HK$3.19M · min. income ≈ HK$30,934/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$119,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,191
−HK$875/mo
▼ 0.25% · 3.875%
HK$16,626
−HK$440/mo
Today · 4.125%
HK$17,066
baseline
▲ 0.50% · 4.625%
HK$17,966
+HK$900/mo
Deposit HK$2.13M · loan HK$3.19M · min. income ≈ HK$34,132/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$119,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,980
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$17,508
−HK$537/mo
Today · 4.125%
HK$18,045
baseline
▲ 0.50% · 4.625%
HK$19,143
+HK$1,098/mo
Deposit HK$1.60M · loan HK$3.72M · min. income ≈ HK$36,090/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$119,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,890
−HK$1,020/mo
▼ 0.25% · 3.875%
HK$19,397
−HK$513/mo
Today · 4.125%
HK$19,910
baseline
▲ 0.50% · 4.625%
HK$20,960
+HK$1,050/mo
Deposit HK$1.60M · loan HK$3.72M · min. income ≈ HK$39,820/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$119,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,831
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$22,510
−HK$690/mo
Today · 4.125%
HK$23,200
baseline
▲ 0.50% · 4.625%
HK$24,612
+HK$1,412/mo
Deposit HK$532K · loan HK$4.79M · min. income ≈ HK$46,400/mo (50% DSR)
Upfront cash ≈ HK$652K (deposit + AVD stamp duty HK$119,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,287
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$24,938
−HK$661/mo
Today · 4.125%
HK$25,599
baseline
▲ 0.50% · 4.625%
HK$26,949
+HK$1,350/mo
Deposit HK$532K · loan HK$4.79M · min. income ≈ HK$51,198/mo (50% DSR)
Upfront cash ≈ HK$652K (deposit + AVD stamp duty HK$119,676 · 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).