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$12,282
−HK$770/mo
▼ 0.25% · 3.875%
HK$12,664
−HK$388/mo
Today · 4.125%
HK$13,052
baseline
▲ 0.50% · 4.625%
HK$13,846
+HK$794/mo
Deposit HK$2.69M · loan HK$2.69M · min. income ≈ HK$26,104/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$121,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,663
−HK$739/mo
▼ 0.25% · 3.875%
HK$14,030
−HK$372/mo
Today · 4.125%
HK$14,402
baseline
▲ 0.50% · 4.625%
HK$15,161
+HK$759/mo
Deposit HK$2.69M · loan HK$2.69M · min. income ≈ HK$28,804/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$121,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,738
−HK$924/mo
▼ 0.25% · 3.875%
HK$15,197
−HK$465/mo
Today · 4.125%
HK$15,662
baseline
▲ 0.50% · 4.625%
HK$16,615
+HK$953/mo
Deposit HK$2.15M · loan HK$3.23M · min. income ≈ HK$31,324/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,396
−HK$886/mo
▼ 0.25% · 3.875%
HK$16,836
−HK$446/mo
Today · 4.125%
HK$17,282
baseline
▲ 0.50% · 4.625%
HK$18,193
+HK$911/mo
Deposit HK$2.15M · loan HK$3.23M · min. income ≈ HK$34,564/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,195
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$17,729
−HK$544/mo
Today · 4.125%
HK$18,273
baseline
▲ 0.50% · 4.625%
HK$19,385
+HK$1,112/mo
Deposit HK$1.62M · loan HK$3.77M · min. income ≈ HK$36,546/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,129
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$19,642
−HK$520/mo
Today · 4.125%
HK$20,162
baseline
▲ 0.50% · 4.625%
HK$21,225
+HK$1,063/mo
Deposit HK$1.62M · loan HK$3.77M · min. income ≈ HK$40,324/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,107
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$22,795
−HK$699/mo
Today · 4.125%
HK$23,494
baseline
▲ 0.50% · 4.625%
HK$24,923
+HK$1,429/mo
Deposit HK$539K · loan HK$4.85M · min. income ≈ HK$46,988/mo (50% DSR)
Upfront cash ≈ HK$660K (deposit + AVD stamp duty HK$121,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,594
−HK$1,329/mo
▼ 0.25% · 3.875%
HK$25,254
−HK$669/mo
Today · 4.125%
HK$25,923
baseline
▲ 0.50% · 4.625%
HK$27,289
+HK$1,366/mo
Deposit HK$539K · loan HK$4.85M · min. income ≈ HK$51,846/mo (50% DSR)
Upfront cash ≈ HK$660K (deposit + AVD stamp duty HK$121,189 · 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).