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$12,392
−HK$777/mo
▼ 0.25% · 3.875%
HK$12,777
−HK$392/mo
Today · 4.125%
HK$13,169
baseline
▲ 0.50% · 4.625%
HK$13,970
+HK$801/mo
Deposit HK$2.72M · loan HK$2.72M · min. income ≈ HK$26,338/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$122,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,786
−HK$745/mo
▼ 0.25% · 3.875%
HK$14,156
−HK$375/mo
Today · 4.125%
HK$14,531
baseline
▲ 0.50% · 4.625%
HK$15,297
+HK$766/mo
Deposit HK$2.72M · loan HK$2.72M · min. income ≈ HK$29,062/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$122,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,870
−HK$933/mo
▼ 0.25% · 3.875%
HK$15,333
−HK$470/mo
Today · 4.125%
HK$15,803
baseline
▲ 0.50% · 4.625%
HK$16,764
+HK$961/mo
Deposit HK$2.17M · loan HK$3.26M · min. income ≈ HK$31,606/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,543
−HK$894/mo
▼ 0.25% · 3.875%
HK$16,987
−HK$450/mo
Today · 4.125%
HK$17,437
baseline
▲ 0.50% · 4.625%
HK$18,356
+HK$919/mo
Deposit HK$2.17M · loan HK$3.26M · min. income ≈ HK$34,874/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,349
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$17,888
−HK$549/mo
Today · 4.125%
HK$18,437
baseline
▲ 0.50% · 4.625%
HK$19,558
+HK$1,121/mo
Deposit HK$1.63M · loan HK$3.80M · min. income ≈ HK$36,874/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$122,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,300
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$19,818
−HK$525/mo
Today · 4.125%
HK$20,343
baseline
▲ 0.50% · 4.625%
HK$21,415
+HK$1,072/mo
Deposit HK$1.63M · loan HK$3.80M · min. income ≈ HK$40,686/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$122,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,305
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$22,999
−HK$705/mo
Today · 4.125%
HK$23,704
baseline
▲ 0.50% · 4.625%
HK$25,147
+HK$1,443/mo
Deposit HK$543K · loan HK$4.89M · min. income ≈ HK$47,408/mo (50% DSR)
Upfront cash ≈ HK$666K (deposit + AVD stamp duty HK$122,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,815
−HK$1,340/mo
▼ 0.25% · 3.875%
HK$25,480
−HK$675/mo
Today · 4.125%
HK$26,155
baseline
▲ 0.50% · 4.625%
HK$27,534
+HK$1,379/mo
Deposit HK$543K · loan HK$4.89M · min. income ≈ HK$52,310/mo (50% DSR)
Upfront cash ≈ HK$666K (deposit + AVD stamp duty HK$122,275 · 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).