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$12,338
−HK$774/mo
▼ 0.25% · 3.875%
HK$12,722
−HK$390/mo
Today · 4.125%
HK$13,112
baseline
▲ 0.50% · 4.625%
HK$13,910
+HK$798/mo
Deposit HK$2.71M · loan HK$2.71M · min. income ≈ HK$26,224/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$121,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,726
−HK$742/mo
▼ 0.25% · 3.875%
HK$14,094
−HK$374/mo
Today · 4.125%
HK$14,468
baseline
▲ 0.50% · 4.625%
HK$15,230
+HK$762/mo
Deposit HK$2.71M · loan HK$2.71M · min. income ≈ HK$28,936/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$121,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,806
−HK$928/mo
▼ 0.25% · 3.875%
HK$15,267
−HK$467/mo
Today · 4.125%
HK$15,734
baseline
▲ 0.50% · 4.625%
HK$16,692
+HK$958/mo
Deposit HK$2.16M · loan HK$3.25M · min. income ≈ HK$31,468/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$121,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,472
−HK$889/mo
▼ 0.25% · 3.875%
HK$16,913
−HK$448/mo
Today · 4.125%
HK$17,361
baseline
▲ 0.50% · 4.625%
HK$18,277
+HK$916/mo
Deposit HK$2.16M · loan HK$3.25M · min. income ≈ HK$34,722/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$121,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,274
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$17,811
−HK$546/mo
Today · 4.125%
HK$18,357
baseline
▲ 0.50% · 4.625%
HK$19,474
+HK$1,117/mo
Deposit HK$1.62M · loan HK$3.79M · min. income ≈ HK$36,714/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$121,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,217
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$19,732
−HK$523/mo
Today · 4.125%
HK$20,255
baseline
▲ 0.50% · 4.625%
HK$21,323
+HK$1,068/mo
Deposit HK$1.62M · loan HK$3.79M · min. income ≈ HK$40,510/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$121,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,209
−HK$1,393/mo
▼ 0.25% · 3.875%
HK$22,900
−HK$702/mo
Today · 4.125%
HK$23,602
baseline
▲ 0.50% · 4.625%
HK$25,038
+HK$1,436/mo
Deposit HK$541K · loan HK$4.87M · min. income ≈ HK$47,204/mo (50% DSR)
Upfront cash ≈ HK$663K (deposit + AVD stamp duty HK$121,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,707
−HK$1,335/mo
▼ 0.25% · 3.875%
HK$25,370
−HK$672/mo
Today · 4.125%
HK$26,042
baseline
▲ 0.50% · 4.625%
HK$27,415
+HK$1,373/mo
Deposit HK$541K · loan HK$4.87M · min. income ≈ HK$52,084/mo (50% DSR)
Upfront cash ≈ HK$663K (deposit + AVD stamp duty HK$121,747 · 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).