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$12,264
−HK$769/mo
▼ 0.25% · 3.875%
HK$12,646
−HK$387/mo
Today · 4.125%
HK$13,033
baseline
▲ 0.50% · 4.625%
HK$13,826
+HK$793/mo
Deposit HK$2.69M · loan HK$2.69M · min. income ≈ HK$26,066/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$121,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,644
−HK$737/mo
▼ 0.25% · 3.875%
HK$14,010
−HK$371/mo
Today · 4.125%
HK$14,381
baseline
▲ 0.50% · 4.625%
HK$15,139
+HK$758/mo
Deposit HK$2.69M · loan HK$2.69M · min. income ≈ HK$28,762/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$121,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,717
−HK$923/mo
▼ 0.25% · 3.875%
HK$15,175
−HK$465/mo
Today · 4.125%
HK$15,640
baseline
▲ 0.50% · 4.625%
HK$16,591
+HK$951/mo
Deposit HK$2.15M · loan HK$3.23M · min. income ≈ HK$31,280/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$121,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,372
−HK$885/mo
▼ 0.25% · 3.875%
HK$16,811
−HK$446/mo
Today · 4.125%
HK$17,257
baseline
▲ 0.50% · 4.625%
HK$18,167
+HK$910/mo
Deposit HK$2.15M · loan HK$3.23M · min. income ≈ HK$34,514/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$121,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,170
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$17,704
−HK$542/mo
Today · 4.125%
HK$18,246
baseline
▲ 0.50% · 4.625%
HK$19,357
+HK$1,111/mo
Deposit HK$1.61M · loan HK$3.76M · min. income ≈ HK$36,492/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$121,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,101
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$19,613
−HK$520/mo
Today · 4.125%
HK$20,133
baseline
▲ 0.50% · 4.625%
HK$21,194
+HK$1,061/mo
Deposit HK$1.61M · loan HK$3.76M · min. income ≈ HK$40,266/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$121,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,075
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$22,762
−HK$698/mo
Today · 4.125%
HK$23,460
baseline
▲ 0.50% · 4.625%
HK$24,887
+HK$1,427/mo
Deposit HK$538K · loan HK$4.84M · min. income ≈ HK$46,920/mo (50% DSR)
Upfront cash ≈ HK$659K (deposit + AVD stamp duty HK$121,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,559
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$25,217
−HK$668/mo
Today · 4.125%
HK$25,885
baseline
▲ 0.50% · 4.625%
HK$27,250
+HK$1,365/mo
Deposit HK$538K · loan HK$4.84M · min. income ≈ HK$51,770/mo (50% DSR)
Upfront cash ≈ HK$659K (deposit + AVD stamp duty HK$121,014 · 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).