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$12,400
−HK$778/mo
▼ 0.25% · 3.875%
HK$12,786
−HK$392/mo
Today · 4.125%
HK$13,178
baseline
▲ 0.50% · 4.625%
HK$13,980
+HK$802/mo
Deposit HK$2.72M · loan HK$2.72M · min. income ≈ HK$26,356/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$122,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,795
−HK$746/mo
▼ 0.25% · 3.875%
HK$14,165
−HK$376/mo
Today · 4.125%
HK$14,541
baseline
▲ 0.50% · 4.625%
HK$15,307
+HK$766/mo
Deposit HK$2.72M · loan HK$2.72M · min. income ≈ HK$29,082/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$122,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,880
−HK$933/mo
▼ 0.25% · 3.875%
HK$15,343
−HK$470/mo
Today · 4.125%
HK$15,813
baseline
▲ 0.50% · 4.625%
HK$16,776
+HK$963/mo
Deposit HK$2.18M · loan HK$3.26M · min. income ≈ HK$31,626/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,554
−HK$895/mo
▼ 0.25% · 3.875%
HK$16,998
−HK$451/mo
Today · 4.125%
HK$17,449
baseline
▲ 0.50% · 4.625%
HK$18,368
+HK$919/mo
Deposit HK$2.18M · loan HK$3.26M · min. income ≈ HK$34,898/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,360
−HK$1,089/mo
▼ 0.25% · 3.875%
HK$17,900
−HK$549/mo
Today · 4.125%
HK$18,449
baseline
▲ 0.50% · 4.625%
HK$19,572
+HK$1,123/mo
Deposit HK$1.63M · loan HK$3.81M · min. income ≈ HK$36,898/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$122,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,313
−HK$1,044/mo
▼ 0.25% · 3.875%
HK$19,831
−HK$526/mo
Today · 4.125%
HK$20,357
baseline
▲ 0.50% · 4.625%
HK$21,430
+HK$1,073/mo
Deposit HK$1.63M · loan HK$3.81M · min. income ≈ HK$40,714/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$122,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,321
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$23,015
−HK$705/mo
Today · 4.125%
HK$23,720
baseline
▲ 0.50% · 4.625%
HK$25,164
+HK$1,444/mo
Deposit HK$544K · loan HK$4.89M · min. income ≈ HK$47,440/mo (50% DSR)
Upfront cash ≈ HK$666K (deposit + AVD stamp duty HK$122,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,831
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$25,497
−HK$676/mo
Today · 4.125%
HK$26,173
baseline
▲ 0.50% · 4.625%
HK$27,553
+HK$1,380/mo
Deposit HK$544K · loan HK$4.89M · min. income ≈ HK$52,346/mo (50% DSR)
Upfront cash ≈ HK$666K (deposit + AVD stamp duty HK$122,358 · 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).