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$12,347
−HK$774/mo
▼ 0.25% · 3.875%
HK$12,731
−HK$390/mo
Today · 4.125%
HK$13,121
baseline
▲ 0.50% · 4.625%
HK$13,919
+HK$798/mo
Deposit HK$2.71M · loan HK$2.71M · min. income ≈ HK$26,242/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$121,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,735
−HK$742/mo
▼ 0.25% · 3.875%
HK$14,104
−HK$373/mo
Today · 4.125%
HK$14,477
baseline
▲ 0.50% · 4.625%
HK$15,241
+HK$764/mo
Deposit HK$2.71M · loan HK$2.71M · min. income ≈ HK$28,954/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$121,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,816
−HK$929/mo
▼ 0.25% · 3.875%
HK$15,277
−HK$468/mo
Today · 4.125%
HK$15,745
baseline
▲ 0.50% · 4.625%
HK$16,703
+HK$958/mo
Deposit HK$2.17M · loan HK$3.25M · min. income ≈ HK$31,490/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$121,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,482
−HK$891/mo
▼ 0.25% · 3.875%
HK$16,924
−HK$449/mo
Today · 4.125%
HK$17,373
baseline
▲ 0.50% · 4.625%
HK$18,289
+HK$916/mo
Deposit HK$2.17M · loan HK$3.25M · min. income ≈ HK$34,746/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$121,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,285
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$17,823
−HK$546/mo
Today · 4.125%
HK$18,369
baseline
▲ 0.50% · 4.625%
HK$19,487
+HK$1,118/mo
Deposit HK$1.62M · loan HK$3.79M · min. income ≈ HK$36,738/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$121,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,230
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$19,745
−HK$523/mo
Today · 4.125%
HK$20,268
baseline
▲ 0.50% · 4.625%
HK$21,337
+HK$1,069/mo
Deposit HK$1.62M · loan HK$3.79M · min. income ≈ HK$40,536/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$121,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,224
−HK$1,393/mo
▼ 0.25% · 3.875%
HK$22,915
−HK$702/mo
Today · 4.125%
HK$23,617
baseline
▲ 0.50% · 4.625%
HK$25,054
+HK$1,437/mo
Deposit HK$541K · loan HK$4.87M · min. income ≈ HK$47,234/mo (50% DSR)
Upfront cash ≈ HK$663K (deposit + AVD stamp duty HK$121,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,724
−HK$1,335/mo
▼ 0.25% · 3.875%
HK$25,387
−HK$672/mo
Today · 4.125%
HK$26,059
baseline
▲ 0.50% · 4.625%
HK$27,433
+HK$1,374/mo
Deposit HK$541K · loan HK$4.87M · min. income ≈ HK$52,118/mo (50% DSR)
Upfront cash ≈ HK$663K (deposit + AVD stamp duty HK$121,827 · 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).