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$12,246
−HK$768/mo
▼ 0.25% · 3.875%
HK$12,627
−HK$387/mo
Today · 4.125%
HK$13,014
baseline
▲ 0.50% · 4.625%
HK$13,806
+HK$792/mo
Deposit HK$2.69M · loan HK$2.69M · min. income ≈ HK$26,028/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$120,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,624
−HK$736/mo
▼ 0.25% · 3.875%
HK$13,989
−HK$371/mo
Today · 4.125%
HK$14,360
baseline
▲ 0.50% · 4.625%
HK$15,116
+HK$756/mo
Deposit HK$2.69M · loan HK$2.69M · min. income ≈ HK$28,720/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$120,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,695
−HK$922/mo
▼ 0.25% · 3.875%
HK$15,152
−HK$465/mo
Today · 4.125%
HK$15,617
baseline
▲ 0.50% · 4.625%
HK$16,567
+HK$950/mo
Deposit HK$2.15M · loan HK$3.22M · min. income ≈ HK$31,234/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$120,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,348
−HK$883/mo
▼ 0.25% · 3.875%
HK$16,787
−HK$444/mo
Today · 4.125%
HK$17,231
baseline
▲ 0.50% · 4.625%
HK$18,140
+HK$909/mo
Deposit HK$2.15M · loan HK$3.22M · min. income ≈ HK$34,462/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$120,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,144
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$17,678
−HK$541/mo
Today · 4.125%
HK$18,219
baseline
▲ 0.50% · 4.625%
HK$19,328
+HK$1,109/mo
Deposit HK$1.61M · loan HK$3.76M · min. income ≈ HK$36,438/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,073
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$19,584
−HK$519/mo
Today · 4.125%
HK$20,103
baseline
▲ 0.50% · 4.625%
HK$21,163
+HK$1,060/mo
Deposit HK$1.61M · loan HK$3.76M · min. income ≈ HK$40,206/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,043
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$22,728
−HK$697/mo
Today · 4.125%
HK$23,425
baseline
▲ 0.50% · 4.625%
HK$24,850
+HK$1,425/mo
Deposit HK$537K · loan HK$4.83M · min. income ≈ HK$46,850/mo (50% DSR)
Upfront cash ≈ HK$658K (deposit + AVD stamp duty HK$120,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,522
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$25,180
−HK$667/mo
Today · 4.125%
HK$25,847
baseline
▲ 0.50% · 4.625%
HK$27,210
+HK$1,363/mo
Deposit HK$537K · loan HK$4.83M · min. income ≈ HK$51,694/mo (50% DSR)
Upfront cash ≈ HK$658K (deposit + AVD stamp duty HK$120,835 · 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).