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$773/mo
▼ 0.25% · 3.875%
HK$12,721
−HK$390/mo
Today · 4.125%
HK$13,111
baseline
▲ 0.50% · 4.625%
HK$13,909
+HK$798/mo
Deposit HK$2.71M · loan HK$2.71M · min. income ≈ HK$26,222/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$121,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,726
−HK$741/mo
▼ 0.25% · 3.875%
HK$14,094
−HK$373/mo
Today · 4.125%
HK$14,467
baseline
▲ 0.50% · 4.625%
HK$15,230
+HK$763/mo
Deposit HK$2.71M · loan HK$2.71M · min. income ≈ HK$28,934/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$121,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,805
−HK$929/mo
▼ 0.25% · 3.875%
HK$15,266
−HK$468/mo
Today · 4.125%
HK$15,734
baseline
▲ 0.50% · 4.625%
HK$16,691
+HK$957/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$121,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,471
−HK$890/mo
▼ 0.25% · 3.875%
HK$16,912
−HK$449/mo
Today · 4.125%
HK$17,361
baseline
▲ 0.50% · 4.625%
HK$18,276
+HK$915/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$121,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,273
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$17,810
−HK$546/mo
Today · 4.125%
HK$18,356
baseline
▲ 0.50% · 4.625%
HK$19,473
+HK$1,117/mo
Deposit HK$1.62M · loan HK$3.79M · min. income ≈ HK$36,712/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,216
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$19,731
−HK$523/mo
Today · 4.125%
HK$20,254
baseline
▲ 0.50% · 4.625%
HK$21,322
+HK$1,068/mo
Deposit HK$1.62M · loan HK$3.79M · min. income ≈ HK$40,508/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,208
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$22,899
−HK$701/mo
Today · 4.125%
HK$23,600
baseline
▲ 0.50% · 4.625%
HK$25,037
+HK$1,437/mo
Deposit HK$541K · loan HK$4.87M · min. income ≈ HK$47,200/mo (50% DSR)
Upfront cash ≈ HK$663K (deposit + AVD stamp duty HK$121,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,706
−HK$1,335/mo
▼ 0.25% · 3.875%
HK$25,369
−HK$672/mo
Today · 4.125%
HK$26,041
baseline
▲ 0.50% · 4.625%
HK$27,413
+HK$1,372/mo
Deposit HK$541K · loan HK$4.87M · min. income ≈ HK$52,082/mo (50% DSR)
Upfront cash ≈ HK$663K (deposit + AVD stamp duty HK$121,740 · 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).