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$12,396
−HK$778/mo
▼ 0.25% · 3.875%
HK$12,782
−HK$392/mo
Today · 4.125%
HK$13,174
baseline
▲ 0.50% · 4.625%
HK$13,975
+HK$801/mo
Deposit HK$2.72M · loan HK$2.72M · min. income ≈ HK$26,348/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$122,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,791
−HK$745/mo
▼ 0.25% · 3.875%
HK$14,160
−HK$376/mo
Today · 4.125%
HK$14,536
baseline
▲ 0.50% · 4.625%
HK$15,302
+HK$766/mo
Deposit HK$2.72M · loan HK$2.72M · min. income ≈ HK$29,072/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$122,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,875
−HK$933/mo
▼ 0.25% · 3.875%
HK$15,338
−HK$470/mo
Today · 4.125%
HK$15,808
baseline
▲ 0.50% · 4.625%
HK$16,770
+HK$962/mo
Deposit HK$2.17M · loan HK$3.26M · min. income ≈ HK$31,616/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,549
−HK$894/mo
▼ 0.25% · 3.875%
HK$16,993
−HK$450/mo
Today · 4.125%
HK$17,443
baseline
▲ 0.50% · 4.625%
HK$18,362
+HK$919/mo
Deposit HK$2.17M · loan HK$3.26M · min. income ≈ HK$34,886/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,355
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$17,894
−HK$549/mo
Today · 4.125%
HK$18,443
baseline
▲ 0.50% · 4.625%
HK$19,565
+HK$1,122/mo
Deposit HK$1.63M · loan HK$3.81M · min. income ≈ HK$36,886/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$122,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,307
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$19,825
−HK$525/mo
Today · 4.125%
HK$20,350
baseline
▲ 0.50% · 4.625%
HK$21,423
+HK$1,073/mo
Deposit HK$1.63M · loan HK$3.81M · min. income ≈ HK$40,700/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$122,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,313
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$23,007
−HK$705/mo
Today · 4.125%
HK$23,712
baseline
▲ 0.50% · 4.625%
HK$25,155
+HK$1,443/mo
Deposit HK$544K · loan HK$4.89M · min. income ≈ HK$47,424/mo (50% DSR)
Upfront cash ≈ HK$666K (deposit + AVD stamp duty HK$122,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,823
−HK$1,341/mo
▼ 0.25% · 3.875%
HK$25,489
−HK$675/mo
Today · 4.125%
HK$26,164
baseline
▲ 0.50% · 4.625%
HK$27,543
+HK$1,379/mo
Deposit HK$544K · loan HK$4.89M · min. income ≈ HK$52,328/mo (50% DSR)
Upfront cash ≈ HK$666K (deposit + AVD stamp duty HK$122,317 · 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).