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$12,345
−HK$774/mo
▼ 0.25% · 3.875%
HK$12,729
−HK$390/mo
Today · 4.125%
HK$13,119
baseline
▲ 0.50% · 4.625%
HK$13,917
+HK$798/mo
Deposit HK$2.71M · loan HK$2.71M · min. income ≈ HK$26,238/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$121,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,734
−HK$742/mo
▼ 0.25% · 3.875%
HK$14,102
−HK$374/mo
Today · 4.125%
HK$14,476
baseline
▲ 0.50% · 4.625%
HK$15,239
+HK$763/mo
Deposit HK$2.71M · loan HK$2.71M · min. income ≈ HK$28,952/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$121,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,814
−HK$929/mo
▼ 0.25% · 3.875%
HK$15,275
−HK$468/mo
Today · 4.125%
HK$15,743
baseline
▲ 0.50% · 4.625%
HK$16,701
+HK$958/mo
Deposit HK$2.17M · loan HK$3.25M · min. income ≈ HK$31,486/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$121,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,480
−HK$891/mo
▼ 0.25% · 3.875%
HK$16,922
−HK$449/mo
Today · 4.125%
HK$17,371
baseline
▲ 0.50% · 4.625%
HK$18,286
+HK$915/mo
Deposit HK$2.17M · loan HK$3.25M · min. income ≈ HK$34,742/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$121,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,283
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$17,820
−HK$547/mo
Today · 4.125%
HK$18,367
baseline
▲ 0.50% · 4.625%
HK$19,484
+HK$1,117/mo
Deposit HK$1.62M · loan HK$3.79M · min. income ≈ HK$36,734/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$121,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,227
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$19,743
−HK$523/mo
Today · 4.125%
HK$20,266
baseline
▲ 0.50% · 4.625%
HK$21,334
+HK$1,068/mo
Deposit HK$1.62M · loan HK$3.79M · min. income ≈ HK$40,532/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$121,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,221
−HK$1,393/mo
▼ 0.25% · 3.875%
HK$22,912
−HK$702/mo
Today · 4.125%
HK$23,614
baseline
▲ 0.50% · 4.625%
HK$25,051
+HK$1,437/mo
Deposit HK$541K · loan HK$4.87M · min. income ≈ HK$47,228/mo (50% DSR)
Upfront cash ≈ HK$663K (deposit + AVD stamp duty HK$121,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,720
−HK$1,336/mo
▼ 0.25% · 3.875%
HK$25,383
−HK$673/mo
Today · 4.125%
HK$26,056
baseline
▲ 0.50% · 4.625%
HK$27,429
+HK$1,373/mo
Deposit HK$541K · loan HK$4.87M · min. income ≈ HK$52,112/mo (50% DSR)
Upfront cash ≈ HK$663K (deposit + AVD stamp duty HK$121,811 · 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).