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$12,395
−HK$778/mo
▼ 0.25% · 3.875%
HK$12,781
−HK$392/mo
Today · 4.125%
HK$13,173
baseline
▲ 0.50% · 4.625%
HK$13,974
+HK$801/mo
Deposit HK$2.72M · loan HK$2.72M · min. income ≈ HK$26,346/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$122,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,790
−HK$745/mo
▼ 0.25% · 3.875%
HK$14,159
−HK$376/mo
Today · 4.125%
HK$14,535
baseline
▲ 0.50% · 4.625%
HK$15,301
+HK$766/mo
Deposit HK$2.72M · loan HK$2.72M · min. income ≈ HK$29,070/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$122,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,874
−HK$933/mo
▼ 0.25% · 3.875%
HK$15,337
−HK$470/mo
Today · 4.125%
HK$15,807
baseline
▲ 0.50% · 4.625%
HK$16,769
+HK$962/mo
Deposit HK$2.17M · loan HK$3.26M · min. income ≈ HK$31,614/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,548
−HK$894/mo
▼ 0.25% · 3.875%
HK$16,991
−HK$451/mo
Today · 4.125%
HK$17,442
baseline
▲ 0.50% · 4.625%
HK$18,361
+HK$919/mo
Deposit HK$2.17M · loan HK$3.26M · min. income ≈ HK$34,884/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,353
−HK$1,089/mo
▼ 0.25% · 3.875%
HK$17,893
−HK$549/mo
Today · 4.125%
HK$18,442
baseline
▲ 0.50% · 4.625%
HK$19,564
+HK$1,122/mo
Deposit HK$1.63M · loan HK$3.81M · min. income ≈ HK$36,884/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$122,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,305
−HK$1,044/mo
▼ 0.25% · 3.875%
HK$19,823
−HK$526/mo
Today · 4.125%
HK$20,349
baseline
▲ 0.50% · 4.625%
HK$21,421
+HK$1,072/mo
Deposit HK$1.63M · loan HK$3.81M · min. income ≈ HK$40,698/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$122,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,312
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$23,006
−HK$705/mo
Today · 4.125%
HK$23,711
baseline
▲ 0.50% · 4.625%
HK$25,153
+HK$1,442/mo
Deposit HK$544K · loan HK$4.89M · min. income ≈ HK$47,422/mo (50% DSR)
Upfront cash ≈ HK$666K (deposit + AVD stamp duty HK$122,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,821
−HK$1,341/mo
▼ 0.25% · 3.875%
HK$25,487
−HK$675/mo
Today · 4.125%
HK$26,162
baseline
▲ 0.50% · 4.625%
HK$27,541
+HK$1,379/mo
Deposit HK$544K · loan HK$4.89M · min. income ≈ HK$52,324/mo (50% DSR)
Upfront cash ≈ HK$666K (deposit + AVD stamp duty HK$122,309 · 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).