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$12,355
−HK$775/mo
▼ 0.25% · 3.875%
HK$12,739
−HK$391/mo
Today · 4.125%
HK$13,130
baseline
▲ 0.50% · 4.625%
HK$13,929
+HK$799/mo
Deposit HK$2.71M · loan HK$2.71M · min. income ≈ HK$26,260/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$121,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,745
−HK$742/mo
▼ 0.25% · 3.875%
HK$14,113
−HK$374/mo
Today · 4.125%
HK$14,487
baseline
▲ 0.50% · 4.625%
HK$15,251
+HK$764/mo
Deposit HK$2.71M · loan HK$2.71M · min. income ≈ HK$28,974/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$121,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,826
−HK$930/mo
▼ 0.25% · 3.875%
HK$15,287
−HK$469/mo
Today · 4.125%
HK$15,756
baseline
▲ 0.50% · 4.625%
HK$16,714
+HK$958/mo
Deposit HK$2.17M · loan HK$3.25M · min. income ≈ HK$31,512/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$121,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,494
−HK$891/mo
▼ 0.25% · 3.875%
HK$16,936
−HK$449/mo
Today · 4.125%
HK$17,385
baseline
▲ 0.50% · 4.625%
HK$18,301
+HK$916/mo
Deposit HK$2.17M · loan HK$3.25M · min. income ≈ HK$34,770/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$121,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,297
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$17,835
−HK$546/mo
Today · 4.125%
HK$18,381
baseline
▲ 0.50% · 4.625%
HK$19,500
+HK$1,119/mo
Deposit HK$1.63M · loan HK$3.79M · min. income ≈ HK$36,762/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$121,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,243
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$19,759
−HK$523/mo
Today · 4.125%
HK$20,282
baseline
▲ 0.50% · 4.625%
HK$21,351
+HK$1,069/mo
Deposit HK$1.63M · loan HK$3.79M · min. income ≈ HK$40,564/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$121,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,239
−HK$1,394/mo
▼ 0.25% · 3.875%
HK$22,931
−HK$702/mo
Today · 4.125%
HK$23,633
baseline
▲ 0.50% · 4.625%
HK$25,071
+HK$1,438/mo
Deposit HK$542K · loan HK$4.88M · min. income ≈ HK$47,266/mo (50% DSR)
Upfront cash ≈ HK$664K (deposit + AVD stamp duty HK$121,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,740
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$25,404
−HK$673/mo
Today · 4.125%
HK$26,077
baseline
▲ 0.50% · 4.625%
HK$27,452
+HK$1,375/mo
Deposit HK$542K · loan HK$4.88M · min. income ≈ HK$52,154/mo (50% DSR)
Upfront cash ≈ HK$664K (deposit + AVD stamp duty HK$121,910 · 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).