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$12,272
−HK$769/mo
▼ 0.25% · 3.875%
HK$12,653
−HK$388/mo
Today · 4.125%
HK$13,041
baseline
▲ 0.50% · 4.625%
HK$13,835
+HK$794/mo
Deposit HK$2.69M · loan HK$2.69M · min. income ≈ HK$26,082/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$121,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,652
−HK$738/mo
▼ 0.25% · 3.875%
HK$14,018
−HK$372/mo
Today · 4.125%
HK$14,390
baseline
▲ 0.50% · 4.625%
HK$15,148
+HK$758/mo
Deposit HK$2.69M · loan HK$2.69M · min. income ≈ HK$28,780/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$121,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,726
−HK$924/mo
▼ 0.25% · 3.875%
HK$15,184
−HK$466/mo
Today · 4.125%
HK$15,650
baseline
▲ 0.50% · 4.625%
HK$16,602
+HK$952/mo
Deposit HK$2.15M · loan HK$3.23M · min. income ≈ HK$31,300/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$121,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,383
−HK$885/mo
▼ 0.25% · 3.875%
HK$16,822
−HK$446/mo
Today · 4.125%
HK$17,268
baseline
▲ 0.50% · 4.625%
HK$18,178
+HK$910/mo
Deposit HK$2.15M · loan HK$3.23M · min. income ≈ HK$34,536/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$121,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,180
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$17,715
−HK$543/mo
Today · 4.125%
HK$18,258
baseline
▲ 0.50% · 4.625%
HK$19,369
+HK$1,111/mo
Deposit HK$1.61M · loan HK$3.77M · min. income ≈ HK$36,516/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,113
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$19,626
−HK$520/mo
Today · 4.125%
HK$20,146
baseline
▲ 0.50% · 4.625%
HK$21,208
+HK$1,062/mo
Deposit HK$1.61M · loan HK$3.77M · min. income ≈ HK$40,292/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,089
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$22,776
−HK$698/mo
Today · 4.125%
HK$23,474
baseline
▲ 0.50% · 4.625%
HK$24,903
+HK$1,429/mo
Deposit HK$538K · loan HK$4.84M · min. income ≈ HK$46,948/mo (50% DSR)
Upfront cash ≈ HK$659K (deposit + AVD stamp duty HK$121,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,574
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$25,233
−HK$669/mo
Today · 4.125%
HK$25,902
baseline
▲ 0.50% · 4.625%
HK$27,267
+HK$1,365/mo
Deposit HK$538K · loan HK$4.84M · min. income ≈ HK$51,804/mo (50% DSR)
Upfront cash ≈ HK$659K (deposit + AVD stamp duty HK$121,090 · 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).