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$12,362
−HK$775/mo
▼ 0.25% · 3.875%
HK$12,747
−HK$390/mo
Today · 4.125%
HK$13,137
baseline
▲ 0.50% · 4.625%
HK$13,937
+HK$800/mo
Deposit HK$2.71M · loan HK$2.71M · min. income ≈ HK$26,274/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$121,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,753
−HK$743/mo
▼ 0.25% · 3.875%
HK$14,122
−HK$374/mo
Today · 4.125%
HK$14,496
baseline
▲ 0.50% · 4.625%
HK$15,260
+HK$764/mo
Deposit HK$2.71M · loan HK$2.71M · min. income ≈ HK$28,992/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$121,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,835
−HK$930/mo
▼ 0.25% · 3.875%
HK$15,296
−HK$469/mo
Today · 4.125%
HK$15,765
baseline
▲ 0.50% · 4.625%
HK$16,724
+HK$959/mo
Deposit HK$2.17M · loan HK$3.25M · min. income ≈ HK$31,530/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$121,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,503
−HK$892/mo
▼ 0.25% · 3.875%
HK$16,946
−HK$449/mo
Today · 4.125%
HK$17,395
baseline
▲ 0.50% · 4.625%
HK$18,312
+HK$917/mo
Deposit HK$2.17M · loan HK$3.25M · min. income ≈ HK$34,790/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$121,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,307
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$17,845
−HK$547/mo
Today · 4.125%
HK$18,392
baseline
▲ 0.50% · 4.625%
HK$19,511
+HK$1,119/mo
Deposit HK$1.63M · loan HK$3.79M · min. income ≈ HK$36,784/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$121,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,254
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$19,770
−HK$524/mo
Today · 4.125%
HK$20,294
baseline
▲ 0.50% · 4.625%
HK$21,364
+HK$1,070/mo
Deposit HK$1.63M · loan HK$3.79M · min. income ≈ HK$40,588/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$121,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,252
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$22,944
−HK$703/mo
Today · 4.125%
HK$23,647
baseline
▲ 0.50% · 4.625%
HK$25,086
+HK$1,439/mo
Deposit HK$542K · loan HK$4.88M · min. income ≈ HK$47,294/mo (50% DSR)
Upfront cash ≈ HK$664K (deposit + AVD stamp duty HK$121,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,755
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$25,419
−HK$673/mo
Today · 4.125%
HK$26,092
baseline
▲ 0.50% · 4.625%
HK$27,468
+HK$1,376/mo
Deposit HK$542K · loan HK$4.88M · min. income ≈ HK$52,184/mo (50% DSR)
Upfront cash ≈ HK$664K (deposit + AVD stamp duty HK$121,982 · 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).