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$12,184
−HK$764/mo
▼ 0.25% · 3.875%
HK$12,563
−HK$385/mo
Today · 4.125%
HK$12,948
baseline
▲ 0.50% · 4.625%
HK$13,736
+HK$788/mo
Deposit HK$2.67M · loan HK$2.67M · min. income ≈ HK$25,896/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$120,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,554
−HK$733/mo
▼ 0.25% · 3.875%
HK$13,918
−HK$369/mo
Today · 4.125%
HK$14,287
baseline
▲ 0.50% · 4.625%
HK$15,040
+HK$753/mo
Deposit HK$2.67M · loan HK$2.67M · min. income ≈ HK$28,574/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$120,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,620
−HK$917/mo
▼ 0.25% · 3.875%
HK$15,075
−HK$462/mo
Today · 4.125%
HK$15,537
baseline
▲ 0.50% · 4.625%
HK$16,483
+HK$946/mo
Deposit HK$2.14M · loan HK$3.21M · min. income ≈ HK$31,074/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,265
−HK$879/mo
▼ 0.25% · 3.875%
HK$16,701
−HK$443/mo
Today · 4.125%
HK$17,144
baseline
▲ 0.50% · 4.625%
HK$18,048
+HK$904/mo
Deposit HK$2.14M · loan HK$3.21M · min. income ≈ HK$34,288/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,057
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$17,588
−HK$539/mo
Today · 4.125%
HK$18,127
baseline
▲ 0.50% · 4.625%
HK$19,230
+HK$1,103/mo
Deposit HK$1.60M · loan HK$3.74M · min. income ≈ HK$36,254/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$120,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,976
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$19,485
−HK$516/mo
Today · 4.125%
HK$20,001
baseline
▲ 0.50% · 4.625%
HK$21,055
+HK$1,054/mo
Deposit HK$1.60M · loan HK$3.74M · min. income ≈ HK$40,002/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$120,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,931
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$22,613
−HK$693/mo
Today · 4.125%
HK$23,306
baseline
▲ 0.50% · 4.625%
HK$24,724
+HK$1,418/mo
Deposit HK$534K · loan HK$4.81M · min. income ≈ HK$46,612/mo (50% DSR)
Upfront cash ≈ HK$655K (deposit + AVD stamp duty HK$120,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,398
−HK$1,318/mo
▼ 0.25% · 3.875%
HK$25,052
−HK$664/mo
Today · 4.125%
HK$25,716
baseline
▲ 0.50% · 4.625%
HK$27,071
+HK$1,355/mo
Deposit HK$534K · loan HK$4.81M · min. income ≈ HK$51,432/mo (50% DSR)
Upfront cash ≈ HK$655K (deposit + AVD stamp duty HK$120,221 · 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).