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$12,353
−HK$775/mo
▼ 0.25% · 3.875%
HK$12,738
−HK$390/mo
Today · 4.125%
HK$13,128
baseline
▲ 0.50% · 4.625%
HK$13,927
+HK$799/mo
Deposit HK$2.71M · loan HK$2.71M · min. income ≈ HK$26,256/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$121,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,743
−HK$742/mo
▼ 0.25% · 3.875%
HK$14,111
−HK$374/mo
Today · 4.125%
HK$14,485
baseline
▲ 0.50% · 4.625%
HK$15,249
+HK$764/mo
Deposit HK$2.71M · loan HK$2.71M · min. income ≈ HK$28,970/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$121,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,824
−HK$930/mo
▼ 0.25% · 3.875%
HK$15,285
−HK$469/mo
Today · 4.125%
HK$15,754
baseline
▲ 0.50% · 4.625%
HK$16,712
+HK$958/mo
Deposit HK$2.17M · loan HK$3.25M · min. income ≈ HK$31,508/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$121,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,491
−HK$891/mo
▼ 0.25% · 3.875%
HK$16,934
−HK$448/mo
Today · 4.125%
HK$17,382
baseline
▲ 0.50% · 4.625%
HK$18,299
+HK$917/mo
Deposit HK$2.17M · loan HK$3.25M · min. income ≈ HK$34,764/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$121,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,295
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$17,833
−HK$546/mo
Today · 4.125%
HK$18,379
baseline
▲ 0.50% · 4.625%
HK$19,497
+HK$1,118/mo
Deposit HK$1.63M · loan HK$3.79M · min. income ≈ HK$36,758/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$121,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,240
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$19,756
−HK$524/mo
Today · 4.125%
HK$20,280
baseline
▲ 0.50% · 4.625%
HK$21,348
+HK$1,068/mo
Deposit HK$1.63M · loan HK$3.79M · min. income ≈ HK$40,560/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$121,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,236
−HK$1,394/mo
▼ 0.25% · 3.875%
HK$22,928
−HK$702/mo
Today · 4.125%
HK$23,630
baseline
▲ 0.50% · 4.625%
HK$25,068
+HK$1,438/mo
Deposit HK$542K · loan HK$4.88M · min. income ≈ HK$47,260/mo (50% DSR)
Upfront cash ≈ HK$664K (deposit + AVD stamp duty HK$121,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,737
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$25,401
−HK$673/mo
Today · 4.125%
HK$26,074
baseline
▲ 0.50% · 4.625%
HK$27,448
+HK$1,374/mo
Deposit HK$542K · loan HK$4.88M · min. income ≈ HK$52,148/mo (50% DSR)
Upfront cash ≈ HK$664K (deposit + AVD stamp duty HK$121,894 · 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).