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$12,398
−HK$778/mo
▼ 0.25% · 3.875%
HK$12,784
−HK$392/mo
Today · 4.125%
HK$13,176
baseline
▲ 0.50% · 4.625%
HK$13,977
+HK$801/mo
Deposit HK$2.72M · loan HK$2.72M · min. income ≈ HK$26,352/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$122,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,793
−HK$745/mo
▼ 0.25% · 3.875%
HK$14,163
−HK$375/mo
Today · 4.125%
HK$14,538
baseline
▲ 0.50% · 4.625%
HK$15,304
+HK$766/mo
Deposit HK$2.72M · loan HK$2.72M · min. income ≈ HK$29,076/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$122,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,878
−HK$933/mo
▼ 0.25% · 3.875%
HK$15,341
−HK$470/mo
Today · 4.125%
HK$15,811
baseline
▲ 0.50% · 4.625%
HK$16,773
+HK$962/mo
Deposit HK$2.17M · loan HK$3.26M · min. income ≈ HK$31,622/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,551
−HK$895/mo
▼ 0.25% · 3.875%
HK$16,995
−HK$451/mo
Today · 4.125%
HK$17,446
baseline
▲ 0.50% · 4.625%
HK$18,365
+HK$919/mo
Deposit HK$2.17M · loan HK$3.26M · min. income ≈ HK$34,892/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,357
−HK$1,089/mo
▼ 0.25% · 3.875%
HK$17,897
−HK$549/mo
Today · 4.125%
HK$18,446
baseline
▲ 0.50% · 4.625%
HK$19,568
+HK$1,122/mo
Deposit HK$1.63M · loan HK$3.81M · min. income ≈ HK$36,892/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$122,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,310
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$19,828
−HK$525/mo
Today · 4.125%
HK$20,353
baseline
▲ 0.50% · 4.625%
HK$21,426
+HK$1,073/mo
Deposit HK$1.63M · loan HK$3.81M · min. income ≈ HK$40,706/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$122,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,317
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$23,011
−HK$705/mo
Today · 4.125%
HK$23,716
baseline
▲ 0.50% · 4.625%
HK$25,159
+HK$1,443/mo
Deposit HK$544K · loan HK$4.89M · min. income ≈ HK$47,432/mo (50% DSR)
Upfront cash ≈ HK$666K (deposit + AVD stamp duty HK$122,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,827
−HK$1,341/mo
▼ 0.25% · 3.875%
HK$25,493
−HK$675/mo
Today · 4.125%
HK$26,168
baseline
▲ 0.50% · 4.625%
HK$27,548
+HK$1,380/mo
Deposit HK$544K · loan HK$4.89M · min. income ≈ HK$52,336/mo (50% DSR)
Upfront cash ≈ HK$666K (deposit + AVD stamp duty HK$122,337 · 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).