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$12,378
−HK$777/mo
▼ 0.25% · 3.875%
HK$12,763
−HK$392/mo
Today · 4.125%
HK$13,155
baseline
▲ 0.50% · 4.625%
HK$13,955
+HK$800/mo
Deposit HK$2.71M · loan HK$2.71M · min. income ≈ HK$26,310/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$122,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,771
−HK$744/mo
▼ 0.25% · 3.875%
HK$14,140
−HK$375/mo
Today · 4.125%
HK$14,515
baseline
▲ 0.50% · 4.625%
HK$15,280
+HK$765/mo
Deposit HK$2.71M · loan HK$2.71M · min. income ≈ HK$29,030/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$122,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,854
−HK$932/mo
▼ 0.25% · 3.875%
HK$15,316
−HK$470/mo
Today · 4.125%
HK$15,786
baseline
▲ 0.50% · 4.625%
HK$16,746
+HK$960/mo
Deposit HK$2.17M · loan HK$3.26M · min. income ≈ HK$31,572/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$122,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,525
−HK$893/mo
▼ 0.25% · 3.875%
HK$16,968
−HK$450/mo
Today · 4.125%
HK$17,418
baseline
▲ 0.50% · 4.625%
HK$18,336
+HK$918/mo
Deposit HK$2.17M · loan HK$3.26M · min. income ≈ HK$34,836/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$122,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,330
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$17,869
−HK$547/mo
Today · 4.125%
HK$18,416
baseline
▲ 0.50% · 4.625%
HK$19,537
+HK$1,121/mo
Deposit HK$1.63M · loan HK$3.80M · min. income ≈ HK$36,832/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$122,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,279
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$19,796
−HK$525/mo
Today · 4.125%
HK$20,321
baseline
▲ 0.50% · 4.625%
HK$21,392
+HK$1,071/mo
Deposit HK$1.63M · loan HK$3.80M · min. income ≈ HK$40,642/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$122,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,281
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$22,974
−HK$704/mo
Today · 4.125%
HK$23,678
baseline
▲ 0.50% · 4.625%
HK$25,119
+HK$1,441/mo
Deposit HK$543K · loan HK$4.89M · min. income ≈ HK$47,356/mo (50% DSR)
Upfront cash ≈ HK$665K (deposit + AVD stamp duty HK$122,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,787
−HK$1,340/mo
▼ 0.25% · 3.875%
HK$25,452
−HK$675/mo
Today · 4.125%
HK$26,127
baseline
▲ 0.50% · 4.625%
HK$27,504
+HK$1,377/mo
Deposit HK$543K · loan HK$4.89M · min. income ≈ HK$52,254/mo (50% DSR)
Upfront cash ≈ HK$665K (deposit + AVD stamp duty HK$122,142 · 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).