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$12,228
−HK$766/mo
▼ 0.25% · 3.875%
HK$12,608
−HK$386/mo
Today · 4.125%
HK$12,994
baseline
▲ 0.50% · 4.625%
HK$13,785
+HK$791/mo
Deposit HK$2.68M · loan HK$2.68M · min. income ≈ HK$25,988/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$120,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,603
−HK$735/mo
▼ 0.25% · 3.875%
HK$13,968
−HK$370/mo
Today · 4.125%
HK$14,338
baseline
▲ 0.50% · 4.625%
HK$15,094
+HK$756/mo
Deposit HK$2.68M · loan HK$2.68M · min. income ≈ HK$28,676/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$120,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,673
−HK$920/mo
▼ 0.25% · 3.875%
HK$15,130
−HK$463/mo
Today · 4.125%
HK$15,593
baseline
▲ 0.50% · 4.625%
HK$16,542
+HK$949/mo
Deposit HK$2.14M · loan HK$3.22M · min. income ≈ HK$31,186/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$120,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,324
−HK$882/mo
▼ 0.25% · 3.875%
HK$16,762
−HK$444/mo
Today · 4.125%
HK$17,206
baseline
▲ 0.50% · 4.625%
HK$18,113
+HK$907/mo
Deposit HK$2.14M · loan HK$3.22M · min. income ≈ HK$34,412/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$120,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,119
−HK$1,073/mo
▼ 0.25% · 3.875%
HK$17,651
−HK$541/mo
Today · 4.125%
HK$18,192
baseline
▲ 0.50% · 4.625%
HK$19,299
+HK$1,107/mo
Deposit HK$1.61M · loan HK$3.75M · min. income ≈ HK$36,384/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,044
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$19,555
−HK$518/mo
Today · 4.125%
HK$20,073
baseline
▲ 0.50% · 4.625%
HK$21,131
+HK$1,058/mo
Deposit HK$1.61M · loan HK$3.75M · min. income ≈ HK$40,146/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,010
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$22,694
−HK$696/mo
Today · 4.125%
HK$23,390
baseline
▲ 0.50% · 4.625%
HK$24,813
+HK$1,423/mo
Deposit HK$536K · loan HK$4.83M · min. income ≈ HK$46,780/mo (50% DSR)
Upfront cash ≈ HK$657K (deposit + AVD stamp duty HK$120,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,486
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$25,142
−HK$667/mo
Today · 4.125%
HK$25,809
baseline
▲ 0.50% · 4.625%
HK$27,169
+HK$1,360/mo
Deposit HK$536K · loan HK$4.83M · min. income ≈ HK$51,618/mo (50% DSR)
Upfront cash ≈ HK$657K (deposit + AVD stamp duty HK$120,655 · 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).