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$12,238
−HK$767/mo
▼ 0.25% · 3.875%
HK$12,619
−HK$386/mo
Today · 4.125%
HK$13,005
baseline
▲ 0.50% · 4.625%
HK$13,797
+HK$792/mo
Deposit HK$2.68M · loan HK$2.68M · min. income ≈ HK$26,010/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$120,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,615
−HK$735/mo
▼ 0.25% · 3.875%
HK$13,980
−HK$370/mo
Today · 4.125%
HK$14,350
baseline
▲ 0.50% · 4.625%
HK$15,107
+HK$757/mo
Deposit HK$2.68M · loan HK$2.68M · min. income ≈ HK$28,700/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$120,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,686
−HK$921/mo
▼ 0.25% · 3.875%
HK$15,142
−HK$465/mo
Today · 4.125%
HK$15,607
baseline
▲ 0.50% · 4.625%
HK$16,556
+HK$949/mo
Deposit HK$2.15M · loan HK$3.22M · min. income ≈ HK$31,214/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$120,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,338
−HK$882/mo
▼ 0.25% · 3.875%
HK$16,776
−HK$444/mo
Today · 4.125%
HK$17,220
baseline
▲ 0.50% · 4.625%
HK$18,128
+HK$908/mo
Deposit HK$2.15M · loan HK$3.22M · min. income ≈ HK$34,440/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$120,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,133
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$17,666
−HK$542/mo
Today · 4.125%
HK$18,208
baseline
▲ 0.50% · 4.625%
HK$19,316
+HK$1,108/mo
Deposit HK$1.61M · loan HK$3.76M · min. income ≈ HK$36,416/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,061
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$19,572
−HK$518/mo
Today · 4.125%
HK$20,090
baseline
▲ 0.50% · 4.625%
HK$21,149
+HK$1,059/mo
Deposit HK$1.61M · loan HK$3.76M · min. income ≈ HK$40,180/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,029
−HK$1,381/mo
▼ 0.25% · 3.875%
HK$22,714
−HK$696/mo
Today · 4.125%
HK$23,410
baseline
▲ 0.50% · 4.625%
HK$24,834
+HK$1,424/mo
Deposit HK$537K · loan HK$4.83M · min. income ≈ HK$46,820/mo (50% DSR)
Upfront cash ≈ HK$657K (deposit + AVD stamp duty HK$120,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,506
−HK$1,324/mo
▼ 0.25% · 3.875%
HK$25,164
−HK$666/mo
Today · 4.125%
HK$25,830
baseline
▲ 0.50% · 4.625%
HK$27,192
+HK$1,362/mo
Deposit HK$537K · loan HK$4.83M · min. income ≈ HK$51,660/mo (50% DSR)
Upfront cash ≈ HK$657K (deposit + AVD stamp duty HK$120,757 · 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).