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$12,372
−HK$775/mo
▼ 0.25% · 3.875%
HK$12,756
−HK$391/mo
Today · 4.125%
HK$13,147
baseline
▲ 0.50% · 4.625%
HK$13,947
+HK$800/mo
Deposit HK$2.71M · loan HK$2.71M · min. income ≈ HK$26,294/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$122,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,763
−HK$744/mo
▼ 0.25% · 3.875%
HK$14,132
−HK$375/mo
Today · 4.125%
HK$14,507
baseline
▲ 0.50% · 4.625%
HK$15,272
+HK$765/mo
Deposit HK$2.71M · loan HK$2.71M · min. income ≈ HK$29,014/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$122,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,846
−HK$931/mo
▼ 0.25% · 3.875%
HK$15,308
−HK$469/mo
Today · 4.125%
HK$15,777
baseline
▲ 0.50% · 4.625%
HK$16,737
+HK$960/mo
Deposit HK$2.17M · loan HK$3.26M · min. income ≈ HK$31,554/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$122,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,516
−HK$892/mo
▼ 0.25% · 3.875%
HK$16,959
−HK$449/mo
Today · 4.125%
HK$17,408
baseline
▲ 0.50% · 4.625%
HK$18,326
+HK$918/mo
Deposit HK$2.17M · loan HK$3.26M · min. income ≈ HK$34,816/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$122,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,320
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$17,859
−HK$547/mo
Today · 4.125%
HK$18,406
baseline
▲ 0.50% · 4.625%
HK$19,526
+HK$1,120/mo
Deposit HK$1.63M · loan HK$3.80M · min. income ≈ HK$36,812/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$122,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,269
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$19,785
−HK$525/mo
Today · 4.125%
HK$20,310
baseline
▲ 0.50% · 4.625%
HK$21,380
+HK$1,070/mo
Deposit HK$1.63M · loan HK$3.80M · min. income ≈ HK$40,620/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$122,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,269
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$22,962
−HK$703/mo
Today · 4.125%
HK$23,665
baseline
▲ 0.50% · 4.625%
HK$25,105
+HK$1,440/mo
Deposit HK$543K · loan HK$4.88M · min. income ≈ HK$47,330/mo (50% DSR)
Upfront cash ≈ HK$665K (deposit + AVD stamp duty HK$122,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,774
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$25,438
−HK$674/mo
Today · 4.125%
HK$26,112
baseline
▲ 0.50% · 4.625%
HK$27,489
+HK$1,377/mo
Deposit HK$543K · loan HK$4.88M · min. income ≈ HK$52,224/mo (50% DSR)
Upfront cash ≈ HK$665K (deposit + AVD stamp duty HK$122,075 · 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).