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$12,212
−HK$765/mo
▼ 0.25% · 3.875%
HK$12,591
−HK$386/mo
Today · 4.125%
HK$12,977
baseline
▲ 0.50% · 4.625%
HK$13,767
+HK$790/mo
Deposit HK$2.68M · loan HK$2.68M · min. income ≈ HK$25,954/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$120,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,585
−HK$734/mo
▼ 0.25% · 3.875%
HK$13,950
−HK$369/mo
Today · 4.125%
HK$14,319
baseline
▲ 0.50% · 4.625%
HK$15,074
+HK$755/mo
Deposit HK$2.68M · loan HK$2.68M · min. income ≈ HK$28,638/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$120,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,654
−HK$919/mo
▼ 0.25% · 3.875%
HK$15,110
−HK$463/mo
Today · 4.125%
HK$15,573
baseline
▲ 0.50% · 4.625%
HK$16,520
+HK$947/mo
Deposit HK$2.14M · loan HK$3.21M · min. income ≈ HK$31,146/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,302
−HK$881/mo
▼ 0.25% · 3.875%
HK$16,739
−HK$444/mo
Today · 4.125%
HK$17,183
baseline
▲ 0.50% · 4.625%
HK$18,089
+HK$906/mo
Deposit HK$2.14M · loan HK$3.21M · min. income ≈ HK$34,366/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$120,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,096
−HK$1,072/mo
▼ 0.25% · 3.875%
HK$17,628
−HK$540/mo
Today · 4.125%
HK$18,168
baseline
▲ 0.50% · 4.625%
HK$19,274
+HK$1,106/mo
Deposit HK$1.61M · loan HK$3.75M · min. income ≈ HK$36,336/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,019
−HK$1,028/mo
▼ 0.25% · 3.875%
HK$19,529
−HK$518/mo
Today · 4.125%
HK$20,047
baseline
▲ 0.50% · 4.625%
HK$21,103
+HK$1,056/mo
Deposit HK$1.61M · loan HK$3.75M · min. income ≈ HK$40,094/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$120,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,981
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$22,664
−HK$695/mo
Today · 4.125%
HK$23,359
baseline
▲ 0.50% · 4.625%
HK$24,780
+HK$1,421/mo
Deposit HK$536K · loan HK$4.82M · min. income ≈ HK$46,718/mo (50% DSR)
Upfront cash ≈ HK$656K (deposit + AVD stamp duty HK$120,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,453
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$25,109
−HK$665/mo
Today · 4.125%
HK$25,774
baseline
▲ 0.50% · 4.625%
HK$27,133
+HK$1,359/mo
Deposit HK$536K · loan HK$4.82M · min. income ≈ HK$51,548/mo (50% DSR)
Upfront cash ≈ HK$656K (deposit + AVD stamp duty HK$120,495 · 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).