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$12,382
−HK$777/mo
▼ 0.25% · 3.875%
HK$12,767
−HK$392/mo
Today · 4.125%
HK$13,159
baseline
▲ 0.50% · 4.625%
HK$13,959
+HK$800/mo
Deposit HK$2.72M · loan HK$2.72M · min. income ≈ HK$26,318/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$122,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,775
−HK$744/mo
▼ 0.25% · 3.875%
HK$14,145
−HK$374/mo
Today · 4.125%
HK$14,519
baseline
▲ 0.50% · 4.625%
HK$15,285
+HK$766/mo
Deposit HK$2.72M · loan HK$2.72M · min. income ≈ HK$29,038/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$122,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,859
−HK$931/mo
▼ 0.25% · 3.875%
HK$15,321
−HK$469/mo
Today · 4.125%
HK$15,790
baseline
▲ 0.50% · 4.625%
HK$16,751
+HK$961/mo
Deposit HK$2.17M · loan HK$3.26M · min. income ≈ HK$31,580/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$122,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,530
−HK$893/mo
▼ 0.25% · 3.875%
HK$16,973
−HK$450/mo
Today · 4.125%
HK$17,423
baseline
▲ 0.50% · 4.625%
HK$18,342
+HK$919/mo
Deposit HK$2.17M · loan HK$3.26M · min. income ≈ HK$34,846/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$122,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,335
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$17,874
−HK$548/mo
Today · 4.125%
HK$18,422
baseline
▲ 0.50% · 4.625%
HK$19,543
+HK$1,121/mo
Deposit HK$1.63M · loan HK$3.80M · min. income ≈ HK$36,844/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$122,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,285
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$19,802
−HK$525/mo
Today · 4.125%
HK$20,327
baseline
▲ 0.50% · 4.625%
HK$21,399
+HK$1,072/mo
Deposit HK$1.63M · loan HK$3.80M · min. income ≈ HK$40,654/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$122,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,288
−HK$1,398/mo
▼ 0.25% · 3.875%
HK$22,981
−HK$705/mo
Today · 4.125%
HK$23,686
baseline
▲ 0.50% · 4.625%
HK$25,127
+HK$1,441/mo
Deposit HK$543K · loan HK$4.89M · min. income ≈ HK$47,372/mo (50% DSR)
Upfront cash ≈ HK$665K (deposit + AVD stamp duty HK$122,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,795
−HK$1,340/mo
▼ 0.25% · 3.875%
HK$25,460
−HK$675/mo
Today · 4.125%
HK$26,135
baseline
▲ 0.50% · 4.625%
HK$27,512
+HK$1,377/mo
Deposit HK$543K · loan HK$4.89M · min. income ≈ HK$52,270/mo (50% DSR)
Upfront cash ≈ HK$665K (deposit + AVD stamp duty HK$122,180 · 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).