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$12,418
−HK$778/mo
▼ 0.25% · 3.875%
HK$12,804
−HK$392/mo
Today · 4.125%
HK$13,196
baseline
▲ 0.50% · 4.625%
HK$13,999
+HK$803/mo
Deposit HK$2.72M · loan HK$2.72M · min. income ≈ HK$26,392/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$122,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,815
−HK$746/mo
▼ 0.25% · 3.875%
HK$14,185
−HK$376/mo
Today · 4.125%
HK$14,561
baseline
▲ 0.50% · 4.625%
HK$15,329
+HK$768/mo
Deposit HK$2.72M · loan HK$2.72M · min. income ≈ HK$29,122/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$122,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,901
−HK$935/mo
▼ 0.25% · 3.875%
HK$15,365
−HK$471/mo
Today · 4.125%
HK$15,836
baseline
▲ 0.50% · 4.625%
HK$16,799
+HK$963/mo
Deposit HK$2.18M · loan HK$3.27M · min. income ≈ HK$31,672/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,578
−HK$895/mo
▼ 0.25% · 3.875%
HK$17,022
−HK$451/mo
Today · 4.125%
HK$17,473
baseline
▲ 0.50% · 4.625%
HK$18,394
+HK$921/mo
Deposit HK$2.18M · loan HK$3.27M · min. income ≈ HK$34,946/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,385
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$17,926
−HK$549/mo
Today · 4.125%
HK$18,475
baseline
▲ 0.50% · 4.625%
HK$19,599
+HK$1,124/mo
Deposit HK$1.63M · loan HK$3.81M · min. income ≈ HK$36,950/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,340
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$19,859
−HK$526/mo
Today · 4.125%
HK$20,385
baseline
▲ 0.50% · 4.625%
HK$21,460
+HK$1,075/mo
Deposit HK$1.63M · loan HK$3.81M · min. income ≈ HK$40,770/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,352
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$23,047
−HK$707/mo
Today · 4.125%
HK$23,754
baseline
▲ 0.50% · 4.625%
HK$25,199
+HK$1,445/mo
Deposit HK$545K · loan HK$4.90M · min. income ≈ HK$47,508/mo (50% DSR)
Upfront cash ≈ HK$667K (deposit + AVD stamp duty HK$122,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,866
−HK$1,344/mo
▼ 0.25% · 3.875%
HK$25,533
−HK$677/mo
Today · 4.125%
HK$26,210
baseline
▲ 0.50% · 4.625%
HK$27,591
+HK$1,381/mo
Deposit HK$545K · loan HK$4.90M · min. income ≈ HK$52,420/mo (50% DSR)
Upfront cash ≈ HK$667K (deposit + AVD stamp duty HK$122,530 · 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).