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$12,198
−HK$765/mo
▼ 0.25% · 3.875%
HK$12,578
−HK$385/mo
Today · 4.125%
HK$12,963
baseline
▲ 0.50% · 4.625%
HK$13,752
+HK$789/mo
Deposit HK$2.67M · loan HK$2.67M · min. income ≈ HK$25,926/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$120,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,571
−HK$733/mo
▼ 0.25% · 3.875%
HK$13,935
−HK$369/mo
Today · 4.125%
HK$14,304
baseline
▲ 0.50% · 4.625%
HK$15,058
+HK$754/mo
Deposit HK$2.67M · loan HK$2.67M · min. income ≈ HK$28,608/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$120,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,638
−HK$918/mo
▼ 0.25% · 3.875%
HK$15,093
−HK$463/mo
Today · 4.125%
HK$15,556
baseline
▲ 0.50% · 4.625%
HK$16,503
+HK$947/mo
Deposit HK$2.14M · loan HK$3.21M · min. income ≈ HK$31,112/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,285
−HK$879/mo
▼ 0.25% · 3.875%
HK$16,721
−HK$443/mo
Today · 4.125%
HK$17,164
baseline
▲ 0.50% · 4.625%
HK$18,069
+HK$905/mo
Deposit HK$2.14M · loan HK$3.21M · min. income ≈ HK$34,328/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,078
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$17,609
−HK$540/mo
Today · 4.125%
HK$18,149
baseline
▲ 0.50% · 4.625%
HK$19,253
+HK$1,104/mo
Deposit HK$1.60M · loan HK$3.74M · min. income ≈ HK$36,298/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,999
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$19,508
−HK$517/mo
Today · 4.125%
HK$20,025
baseline
▲ 0.50% · 4.625%
HK$21,081
+HK$1,056/mo
Deposit HK$1.60M · loan HK$3.74M · min. income ≈ HK$40,050/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,957
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$22,640
−HK$694/mo
Today · 4.125%
HK$23,334
baseline
▲ 0.50% · 4.625%
HK$24,754
+HK$1,420/mo
Deposit HK$535K · loan HK$4.81M · min. income ≈ HK$46,668/mo (50% DSR)
Upfront cash ≈ HK$655K (deposit + AVD stamp duty HK$120,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,427
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$25,082
−HK$665/mo
Today · 4.125%
HK$25,747
baseline
▲ 0.50% · 4.625%
HK$27,104
+HK$1,357/mo
Deposit HK$535K · loan HK$4.81M · min. income ≈ HK$51,494/mo (50% DSR)
Upfront cash ≈ HK$655K (deposit + AVD stamp duty HK$120,365 · 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).