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$12,363
−HK$775/mo
▼ 0.25% · 3.875%
HK$12,748
−HK$390/mo
Today · 4.125%
HK$13,138
baseline
▲ 0.50% · 4.625%
HK$13,938
+HK$800/mo
Deposit HK$2.71M · loan HK$2.71M · min. income ≈ HK$26,276/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$121,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,754
−HK$743/mo
▼ 0.25% · 3.875%
HK$14,123
−HK$374/mo
Today · 4.125%
HK$14,497
baseline
▲ 0.50% · 4.625%
HK$15,261
+HK$764/mo
Deposit HK$2.71M · loan HK$2.71M · min. income ≈ HK$28,994/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$121,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,836
−HK$930/mo
▼ 0.25% · 3.875%
HK$15,297
−HK$469/mo
Today · 4.125%
HK$15,766
baseline
▲ 0.50% · 4.625%
HK$16,725
+HK$959/mo
Deposit HK$2.17M · loan HK$3.25M · min. income ≈ HK$31,532/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$121,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,504
−HK$892/mo
▼ 0.25% · 3.875%
HK$16,947
−HK$449/mo
Today · 4.125%
HK$17,396
baseline
▲ 0.50% · 4.625%
HK$18,313
+HK$917/mo
Deposit HK$2.17M · loan HK$3.25M · min. income ≈ HK$34,792/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$121,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,308
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$17,847
−HK$547/mo
Today · 4.125%
HK$18,394
baseline
▲ 0.50% · 4.625%
HK$19,513
+HK$1,119/mo
Deposit HK$1.63M · loan HK$3.80M · min. income ≈ HK$36,788/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$121,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,255
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$19,772
−HK$524/mo
Today · 4.125%
HK$20,296
baseline
▲ 0.50% · 4.625%
HK$21,365
+HK$1,069/mo
Deposit HK$1.63M · loan HK$3.80M · min. income ≈ HK$40,592/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$121,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,253
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$22,946
−HK$703/mo
Today · 4.125%
HK$23,649
baseline
▲ 0.50% · 4.625%
HK$25,088
+HK$1,439/mo
Deposit HK$542K · loan HK$4.88M · min. income ≈ HK$47,298/mo (50% DSR)
Upfront cash ≈ HK$664K (deposit + AVD stamp duty HK$121,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,757
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$25,421
−HK$673/mo
Today · 4.125%
HK$26,094
baseline
▲ 0.50% · 4.625%
HK$27,470
+HK$1,376/mo
Deposit HK$542K · loan HK$4.88M · min. income ≈ HK$52,188/mo (50% DSR)
Upfront cash ≈ HK$664K (deposit + AVD stamp duty HK$121,990 · 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).