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$12,349
−HK$774/mo
▼ 0.25% · 3.875%
HK$12,733
−HK$390/mo
Today · 4.125%
HK$13,123
baseline
▲ 0.50% · 4.625%
HK$13,922
+HK$799/mo
Deposit HK$2.71M · loan HK$2.71M · min. income ≈ HK$26,246/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$121,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,738
−HK$742/mo
▼ 0.25% · 3.875%
HK$14,106
−HK$374/mo
Today · 4.125%
HK$14,480
baseline
▲ 0.50% · 4.625%
HK$15,243
+HK$763/mo
Deposit HK$2.71M · loan HK$2.71M · min. income ≈ HK$28,960/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$121,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,818
−HK$930/mo
▼ 0.25% · 3.875%
HK$15,279
−HK$469/mo
Today · 4.125%
HK$15,748
baseline
▲ 0.50% · 4.625%
HK$16,706
+HK$958/mo
Deposit HK$2.17M · loan HK$3.25M · min. income ≈ HK$31,496/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$121,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,485
−HK$891/mo
▼ 0.25% · 3.875%
HK$16,927
−HK$449/mo
Today · 4.125%
HK$17,376
baseline
▲ 0.50% · 4.625%
HK$18,292
+HK$916/mo
Deposit HK$2.17M · loan HK$3.25M · min. income ≈ HK$34,752/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$121,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,288
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$17,826
−HK$546/mo
Today · 4.125%
HK$18,372
baseline
▲ 0.50% · 4.625%
HK$19,490
+HK$1,118/mo
Deposit HK$1.62M · loan HK$3.79M · min. income ≈ HK$36,744/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$121,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,233
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$19,749
−HK$523/mo
Today · 4.125%
HK$20,272
baseline
▲ 0.50% · 4.625%
HK$21,341
+HK$1,069/mo
Deposit HK$1.62M · loan HK$3.79M · min. income ≈ HK$40,544/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$121,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,228
−HK$1,394/mo
▼ 0.25% · 3.875%
HK$22,919
−HK$703/mo
Today · 4.125%
HK$23,622
baseline
▲ 0.50% · 4.625%
HK$25,059
+HK$1,437/mo
Deposit HK$542K · loan HK$4.87M · min. income ≈ HK$47,244/mo (50% DSR)
Upfront cash ≈ HK$663K (deposit + AVD stamp duty HK$121,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,728
−HK$1,336/mo
▼ 0.25% · 3.875%
HK$25,391
−HK$673/mo
Today · 4.125%
HK$26,064
baseline
▲ 0.50% · 4.625%
HK$27,438
+HK$1,374/mo
Deposit HK$542K · loan HK$4.87M · min. income ≈ HK$52,128/mo (50% DSR)
Upfront cash ≈ HK$663K (deposit + AVD stamp duty HK$121,849 · 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).