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$12,426
−HK$779/mo
▼ 0.25% · 3.875%
HK$12,813
−HK$392/mo
Today · 4.125%
HK$13,205
baseline
▲ 0.50% · 4.625%
HK$14,009
+HK$804/mo
Deposit HK$2.72M · loan HK$2.72M · min. income ≈ HK$26,410/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$122,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,824
−HK$747/mo
▼ 0.25% · 3.875%
HK$14,195
−HK$376/mo
Today · 4.125%
HK$14,571
baseline
▲ 0.50% · 4.625%
HK$15,339
+HK$768/mo
Deposit HK$2.72M · loan HK$2.72M · min. income ≈ HK$29,142/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$122,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,911
−HK$935/mo
▼ 0.25% · 3.875%
HK$15,375
−HK$471/mo
Today · 4.125%
HK$15,846
baseline
▲ 0.50% · 4.625%
HK$16,811
+HK$965/mo
Deposit HK$2.18M · loan HK$3.27M · min. income ≈ HK$31,692/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,589
−HK$896/mo
▼ 0.25% · 3.875%
HK$17,034
−HK$451/mo
Today · 4.125%
HK$17,485
baseline
▲ 0.50% · 4.625%
HK$18,407
+HK$922/mo
Deposit HK$2.18M · loan HK$3.27M · min. income ≈ HK$34,970/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,396
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$17,938
−HK$549/mo
Today · 4.125%
HK$18,487
baseline
▲ 0.50% · 4.625%
HK$19,612
+HK$1,125/mo
Deposit HK$1.63M · loan HK$3.81M · min. income ≈ HK$36,974/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,353
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$19,872
−HK$527/mo
Today · 4.125%
HK$20,399
baseline
▲ 0.50% · 4.625%
HK$21,474
+HK$1,075/mo
Deposit HK$1.63M · loan HK$3.81M · min. income ≈ HK$40,798/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,367
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$23,063
−HK$707/mo
Today · 4.125%
HK$23,770
baseline
▲ 0.50% · 4.625%
HK$25,216
+HK$1,446/mo
Deposit HK$545K · loan HK$4.90M · min. income ≈ HK$47,540/mo (50% DSR)
Upfront cash ≈ HK$668K (deposit + AVD stamp duty HK$122,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,883
−HK$1,344/mo
▼ 0.25% · 3.875%
HK$25,550
−HK$677/mo
Today · 4.125%
HK$26,227
baseline
▲ 0.50% · 4.625%
HK$27,610
+HK$1,383/mo
Deposit HK$545K · loan HK$4.90M · min. income ≈ HK$52,454/mo (50% DSR)
Upfront cash ≈ HK$668K (deposit + AVD stamp duty HK$122,612 · 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).