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$12,421
−HK$779/mo
▼ 0.25% · 3.875%
HK$12,808
−HK$392/mo
Today · 4.125%
HK$13,200
baseline
▲ 0.50% · 4.625%
HK$14,003
+HK$803/mo
Deposit HK$2.72M · loan HK$2.72M · min. income ≈ HK$26,400/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$122,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,819
−HK$746/mo
▼ 0.25% · 3.875%
HK$14,189
−HK$376/mo
Today · 4.125%
HK$14,565
baseline
▲ 0.50% · 4.625%
HK$15,333
+HK$768/mo
Deposit HK$2.72M · loan HK$2.72M · min. income ≈ HK$29,130/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$122,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,905
−HK$935/mo
▼ 0.25% · 3.875%
HK$15,369
−HK$471/mo
Today · 4.125%
HK$15,840
baseline
▲ 0.50% · 4.625%
HK$16,804
+HK$964/mo
Deposit HK$2.18M · loan HK$3.27M · min. income ≈ HK$31,680/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,582
−HK$896/mo
▼ 0.25% · 3.875%
HK$17,027
−HK$451/mo
Today · 4.125%
HK$17,478
baseline
▲ 0.50% · 4.625%
HK$18,399
+HK$921/mo
Deposit HK$2.18M · loan HK$3.27M · min. income ≈ HK$34,956/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,390
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$17,931
−HK$549/mo
Today · 4.125%
HK$18,480
baseline
▲ 0.50% · 4.625%
HK$19,605
+HK$1,125/mo
Deposit HK$1.63M · loan HK$3.81M · min. income ≈ HK$36,960/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,346
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$19,865
−HK$526/mo
Today · 4.125%
HK$20,391
baseline
▲ 0.50% · 4.625%
HK$21,466
+HK$1,075/mo
Deposit HK$1.63M · loan HK$3.81M · min. income ≈ HK$40,782/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,358
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$23,054
−HK$706/mo
Today · 4.125%
HK$23,760
baseline
▲ 0.50% · 4.625%
HK$25,206
+HK$1,446/mo
Deposit HK$545K · loan HK$4.90M · min. income ≈ HK$47,520/mo (50% DSR)
Upfront cash ≈ HK$667K (deposit + AVD stamp duty HK$122,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,873
−HK$1,344/mo
▼ 0.25% · 3.875%
HK$25,540
−HK$677/mo
Today · 4.125%
HK$26,217
baseline
▲ 0.50% · 4.625%
HK$27,599
+HK$1,382/mo
Deposit HK$545K · loan HK$4.90M · min. income ≈ HK$52,434/mo (50% DSR)
Upfront cash ≈ HK$667K (deposit + AVD stamp duty HK$122,565 · 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).