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$12,139
−HK$762/mo
▼ 0.25% · 3.875%
HK$12,517
−HK$384/mo
Today · 4.125%
HK$12,901
baseline
▲ 0.50% · 4.625%
HK$13,685
+HK$784/mo
Deposit HK$2.66M · loan HK$2.66M · min. income ≈ HK$25,802/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$119,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,505
−HK$729/mo
▼ 0.25% · 3.875%
HK$13,867
−HK$367/mo
Today · 4.125%
HK$14,234
baseline
▲ 0.50% · 4.625%
HK$14,985
+HK$751/mo
Deposit HK$2.66M · loan HK$2.66M · min. income ≈ HK$28,468/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$119,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,567
−HK$914/mo
▼ 0.25% · 3.875%
HK$15,020
−HK$461/mo
Today · 4.125%
HK$15,481
baseline
▲ 0.50% · 4.625%
HK$16,423
+HK$942/mo
Deposit HK$2.13M · loan HK$3.19M · min. income ≈ HK$30,962/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$119,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,206
−HK$875/mo
▼ 0.25% · 3.875%
HK$16,640
−HK$441/mo
Today · 4.125%
HK$17,081
baseline
▲ 0.50% · 4.625%
HK$17,982
+HK$901/mo
Deposit HK$2.13M · loan HK$3.19M · min. income ≈ HK$34,162/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$119,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,995
−HK$1,066/mo
▼ 0.25% · 3.875%
HK$17,524
−HK$537/mo
Today · 4.125%
HK$18,061
baseline
▲ 0.50% · 4.625%
HK$19,160
+HK$1,099/mo
Deposit HK$1.60M · loan HK$3.73M · min. income ≈ HK$36,122/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$119,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,907
−HK$1,021/mo
▼ 0.25% · 3.875%
HK$19,414
−HK$514/mo
Today · 4.125%
HK$19,928
baseline
▲ 0.50% · 4.625%
HK$20,979
+HK$1,051/mo
Deposit HK$1.60M · loan HK$3.73M · min. income ≈ HK$39,856/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$119,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,851
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$22,530
−HK$691/mo
Today · 4.125%
HK$23,221
baseline
▲ 0.50% · 4.625%
HK$24,634
+HK$1,413/mo
Deposit HK$532K · loan HK$4.79M · min. income ≈ HK$46,442/mo (50% DSR)
Upfront cash ≈ HK$652K (deposit + AVD stamp duty HK$119,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,309
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$24,961
−HK$661/mo
Today · 4.125%
HK$25,622
baseline
▲ 0.50% · 4.625%
HK$26,973
+HK$1,351/mo
Deposit HK$532K · loan HK$4.79M · min. income ≈ HK$51,244/mo (50% DSR)
Upfront cash ≈ HK$652K (deposit + AVD stamp duty HK$119,782 · 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).