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$12,344
−HK$774/mo
▼ 0.25% · 3.875%
HK$12,728
−HK$390/mo
Today · 4.125%
HK$13,118
baseline
▲ 0.50% · 4.625%
HK$13,916
+HK$798/mo
Deposit HK$2.71M · loan HK$2.71M · min. income ≈ HK$26,236/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$121,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,733
−HK$741/mo
▼ 0.25% · 3.875%
HK$14,101
−HK$373/mo
Today · 4.125%
HK$14,474
baseline
▲ 0.50% · 4.625%
HK$15,237
+HK$763/mo
Deposit HK$2.71M · loan HK$2.71M · min. income ≈ HK$28,948/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$121,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,813
−HK$929/mo
▼ 0.25% · 3.875%
HK$15,273
−HK$469/mo
Today · 4.125%
HK$15,742
baseline
▲ 0.50% · 4.625%
HK$16,699
+HK$957/mo
Deposit HK$2.17M · loan HK$3.25M · min. income ≈ HK$31,484/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$121,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,479
−HK$890/mo
▼ 0.25% · 3.875%
HK$16,921
−HK$448/mo
Today · 4.125%
HK$17,369
baseline
▲ 0.50% · 4.625%
HK$18,285
+HK$916/mo
Deposit HK$2.17M · loan HK$3.25M · min. income ≈ HK$34,738/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$121,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,282
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$17,819
−HK$546/mo
Today · 4.125%
HK$18,365
baseline
▲ 0.50% · 4.625%
HK$19,483
+HK$1,118/mo
Deposit HK$1.62M · loan HK$3.79M · min. income ≈ HK$36,730/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$121,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,226
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$19,741
−HK$523/mo
Today · 4.125%
HK$20,264
baseline
▲ 0.50% · 4.625%
HK$21,332
+HK$1,068/mo
Deposit HK$1.62M · loan HK$3.79M · min. income ≈ HK$40,528/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$121,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,219
−HK$1,393/mo
▼ 0.25% · 3.875%
HK$22,910
−HK$702/mo
Today · 4.125%
HK$23,612
baseline
▲ 0.50% · 4.625%
HK$25,049
+HK$1,437/mo
Deposit HK$541K · loan HK$4.87M · min. income ≈ HK$47,224/mo (50% DSR)
Upfront cash ≈ HK$663K (deposit + AVD stamp duty HK$121,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,719
−HK$1,335/mo
▼ 0.25% · 3.875%
HK$25,381
−HK$673/mo
Today · 4.125%
HK$26,054
baseline
▲ 0.50% · 4.625%
HK$27,427
+HK$1,373/mo
Deposit HK$541K · loan HK$4.87M · min. income ≈ HK$52,108/mo (50% DSR)
Upfront cash ≈ HK$663K (deposit + AVD stamp duty HK$121,802 · 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).