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$12,415
−HK$779/mo
▼ 0.25% · 3.875%
HK$12,801
−HK$393/mo
Today · 4.125%
HK$13,194
baseline
▲ 0.50% · 4.625%
HK$13,997
+HK$803/mo
Deposit HK$2.72M · loan HK$2.72M · min. income ≈ HK$26,388/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$122,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,812
−HK$746/mo
▼ 0.25% · 3.875%
HK$14,182
−HK$376/mo
Today · 4.125%
HK$14,558
baseline
▲ 0.50% · 4.625%
HK$15,325
+HK$767/mo
Deposit HK$2.72M · loan HK$2.72M · min. income ≈ HK$29,116/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$122,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,898
−HK$935/mo
▼ 0.25% · 3.875%
HK$15,362
−HK$471/mo
Today · 4.125%
HK$15,833
baseline
▲ 0.50% · 4.625%
HK$16,796
+HK$963/mo
Deposit HK$2.18M · loan HK$3.27M · min. income ≈ HK$31,666/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,574
−HK$896/mo
▼ 0.25% · 3.875%
HK$17,019
−HK$451/mo
Today · 4.125%
HK$17,470
baseline
▲ 0.50% · 4.625%
HK$18,391
+HK$921/mo
Deposit HK$2.18M · loan HK$3.27M · min. income ≈ HK$34,940/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,381
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$17,922
−HK$549/mo
Today · 4.125%
HK$18,471
baseline
▲ 0.50% · 4.625%
HK$19,595
+HK$1,124/mo
Deposit HK$1.63M · loan HK$3.81M · min. income ≈ HK$36,942/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,337
−HK$1,044/mo
▼ 0.25% · 3.875%
HK$19,855
−HK$526/mo
Today · 4.125%
HK$20,381
baseline
▲ 0.50% · 4.625%
HK$21,456
+HK$1,075/mo
Deposit HK$1.63M · loan HK$3.81M · min. income ≈ HK$40,762/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,347
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$23,043
−HK$706/mo
Today · 4.125%
HK$23,749
baseline
▲ 0.50% · 4.625%
HK$25,194
+HK$1,445/mo
Deposit HK$544K · loan HK$4.90M · min. income ≈ HK$47,498/mo (50% DSR)
Upfront cash ≈ HK$667K (deposit + AVD stamp duty HK$122,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,861
−HK$1,344/mo
▼ 0.25% · 3.875%
HK$25,528
−HK$677/mo
Today · 4.125%
HK$26,205
baseline
▲ 0.50% · 4.625%
HK$27,586
+HK$1,381/mo
Deposit HK$544K · loan HK$4.90M · min. income ≈ HK$52,410/mo (50% DSR)
Upfront cash ≈ HK$667K (deposit + AVD stamp duty HK$122,506 · 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).