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$12,399
−HK$778/mo
▼ 0.25% · 3.875%
HK$12,785
−HK$392/mo
Today · 4.125%
HK$13,177
baseline
▲ 0.50% · 4.625%
HK$13,978
+HK$801/mo
Deposit HK$2.72M · loan HK$2.72M · min. income ≈ HK$26,354/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$122,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,794
−HK$745/mo
▼ 0.25% · 3.875%
HK$14,164
−HK$375/mo
Today · 4.125%
HK$14,539
baseline
▲ 0.50% · 4.625%
HK$15,305
+HK$766/mo
Deposit HK$2.72M · loan HK$2.72M · min. income ≈ HK$29,078/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$122,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,879
−HK$933/mo
▼ 0.25% · 3.875%
HK$15,342
−HK$470/mo
Today · 4.125%
HK$15,812
baseline
▲ 0.50% · 4.625%
HK$16,774
+HK$962/mo
Deposit HK$2.18M · loan HK$3.26M · min. income ≈ HK$31,624/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,553
−HK$894/mo
▼ 0.25% · 3.875%
HK$16,997
−HK$450/mo
Today · 4.125%
HK$17,447
baseline
▲ 0.50% · 4.625%
HK$18,367
+HK$920/mo
Deposit HK$2.18M · loan HK$3.26M · min. income ≈ HK$34,894/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,359
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$17,899
−HK$548/mo
Today · 4.125%
HK$18,447
baseline
▲ 0.50% · 4.625%
HK$19,570
+HK$1,123/mo
Deposit HK$1.63M · loan HK$3.81M · min. income ≈ HK$36,894/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$122,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,311
−HK$1,044/mo
▼ 0.25% · 3.875%
HK$19,829
−HK$526/mo
Today · 4.125%
HK$20,355
baseline
▲ 0.50% · 4.625%
HK$21,428
+HK$1,073/mo
Deposit HK$1.63M · loan HK$3.81M · min. income ≈ HK$40,710/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$122,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,318
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$23,013
−HK$705/mo
Today · 4.125%
HK$23,718
baseline
▲ 0.50% · 4.625%
HK$25,161
+HK$1,443/mo
Deposit HK$544K · loan HK$4.89M · min. income ≈ HK$47,436/mo (50% DSR)
Upfront cash ≈ HK$666K (deposit + AVD stamp duty HK$122,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,829
−HK$1,341/mo
▼ 0.25% · 3.875%
HK$25,495
−HK$675/mo
Today · 4.125%
HK$26,170
baseline
▲ 0.50% · 4.625%
HK$27,550
+HK$1,380/mo
Deposit HK$544K · loan HK$4.89M · min. income ≈ HK$52,340/mo (50% DSR)
Upfront cash ≈ HK$666K (deposit + AVD stamp duty HK$122,346 · 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).