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$12,341
−HK$773/mo
▼ 0.25% · 3.875%
HK$12,724
−HK$390/mo
Today · 4.125%
HK$13,114
baseline
▲ 0.50% · 4.625%
HK$13,912
+HK$798/mo
Deposit HK$2.71M · loan HK$2.71M · min. income ≈ HK$26,228/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$121,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,729
−HK$742/mo
▼ 0.25% · 3.875%
HK$14,097
−HK$374/mo
Today · 4.125%
HK$14,471
baseline
▲ 0.50% · 4.625%
HK$15,233
+HK$762/mo
Deposit HK$2.71M · loan HK$2.71M · min. income ≈ HK$28,942/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$121,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,809
−HK$928/mo
▼ 0.25% · 3.875%
HK$15,269
−HK$468/mo
Today · 4.125%
HK$15,737
baseline
▲ 0.50% · 4.625%
HK$16,695
+HK$958/mo
Deposit HK$2.16M · loan HK$3.25M · min. income ≈ HK$31,474/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$121,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,475
−HK$890/mo
▼ 0.25% · 3.875%
HK$16,916
−HK$449/mo
Today · 4.125%
HK$17,365
baseline
▲ 0.50% · 4.625%
HK$18,280
+HK$915/mo
Deposit HK$2.16M · loan HK$3.25M · min. income ≈ HK$34,730/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$121,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,277
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$17,814
−HK$546/mo
Today · 4.125%
HK$18,360
baseline
▲ 0.50% · 4.625%
HK$19,477
+HK$1,117/mo
Deposit HK$1.62M · loan HK$3.79M · min. income ≈ HK$36,720/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$121,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,220
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$19,736
−HK$523/mo
Today · 4.125%
HK$20,259
baseline
▲ 0.50% · 4.625%
HK$21,327
+HK$1,068/mo
Deposit HK$1.62M · loan HK$3.79M · min. income ≈ HK$40,518/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$121,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,213
−HK$1,393/mo
▼ 0.25% · 3.875%
HK$22,904
−HK$702/mo
Today · 4.125%
HK$23,606
baseline
▲ 0.50% · 4.625%
HK$25,042
+HK$1,436/mo
Deposit HK$541K · loan HK$4.87M · min. income ≈ HK$47,212/mo (50% DSR)
Upfront cash ≈ HK$663K (deposit + AVD stamp duty HK$121,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,712
−HK$1,335/mo
▼ 0.25% · 3.875%
HK$25,375
−HK$672/mo
Today · 4.125%
HK$26,047
baseline
▲ 0.50% · 4.625%
HK$27,420
+HK$1,373/mo
Deposit HK$541K · loan HK$4.87M · min. income ≈ HK$52,094/mo (50% DSR)
Upfront cash ≈ HK$663K (deposit + AVD stamp duty HK$121,769 · 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).