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$12,254
−HK$769/mo
▼ 0.25% · 3.875%
HK$12,635
−HK$388/mo
Today · 4.125%
HK$13,023
baseline
▲ 0.50% · 4.625%
HK$13,815
+HK$792/mo
Deposit HK$2.69M · loan HK$2.69M · min. income ≈ HK$26,046/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$120,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,633
−HK$736/mo
▼ 0.25% · 3.875%
HK$13,998
−HK$371/mo
Today · 4.125%
HK$14,369
baseline
▲ 0.50% · 4.625%
HK$15,127
+HK$758/mo
Deposit HK$2.69M · loan HK$2.69M · min. income ≈ HK$28,738/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$120,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,705
−HK$922/mo
▼ 0.25% · 3.875%
HK$15,163
−HK$464/mo
Today · 4.125%
HK$15,627
baseline
▲ 0.50% · 4.625%
HK$16,578
+HK$951/mo
Deposit HK$2.15M · loan HK$3.22M · min. income ≈ HK$31,254/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$120,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,359
−HK$884/mo
▼ 0.25% · 3.875%
HK$16,798
−HK$445/mo
Today · 4.125%
HK$17,243
baseline
▲ 0.50% · 4.625%
HK$18,152
+HK$909/mo
Deposit HK$2.15M · loan HK$3.22M · min. income ≈ HK$34,486/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$120,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,156
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$17,690
−HK$542/mo
Today · 4.125%
HK$18,232
baseline
▲ 0.50% · 4.625%
HK$19,341
+HK$1,109/mo
Deposit HK$1.61M · loan HK$3.76M · min. income ≈ HK$36,464/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,086
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$19,598
−HK$519/mo
Today · 4.125%
HK$20,117
baseline
▲ 0.50% · 4.625%
HK$21,177
+HK$1,060/mo
Deposit HK$1.61M · loan HK$3.76M · min. income ≈ HK$40,234/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,058
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$22,744
−HK$697/mo
Today · 4.125%
HK$23,441
baseline
▲ 0.50% · 4.625%
HK$24,867
+HK$1,426/mo
Deposit HK$537K · loan HK$4.84M · min. income ≈ HK$46,882/mo (50% DSR)
Upfront cash ≈ HK$658K (deposit + AVD stamp duty HK$120,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,539
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$25,197
−HK$668/mo
Today · 4.125%
HK$25,865
baseline
▲ 0.50% · 4.625%
HK$27,228
+HK$1,363/mo
Deposit HK$537K · loan HK$4.84M · min. income ≈ HK$51,730/mo (50% DSR)
Upfront cash ≈ HK$658K (deposit + AVD stamp duty HK$120,917 · 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).