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$12,346
−HK$774/mo
▼ 0.25% · 3.875%
HK$12,730
−HK$390/mo
Today · 4.125%
HK$13,120
baseline
▲ 0.50% · 4.625%
HK$13,918
+HK$798/mo
Deposit HK$2.71M · loan HK$2.71M · min. income ≈ HK$26,240/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$121,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,734
−HK$742/mo
▼ 0.25% · 3.875%
HK$14,103
−HK$373/mo
Today · 4.125%
HK$14,476
baseline
▲ 0.50% · 4.625%
HK$15,240
+HK$764/mo
Deposit HK$2.71M · loan HK$2.71M · min. income ≈ HK$28,952/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$121,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,815
−HK$929/mo
▼ 0.25% · 3.875%
HK$15,276
−HK$468/mo
Today · 4.125%
HK$15,744
baseline
▲ 0.50% · 4.625%
HK$16,702
+HK$958/mo
Deposit HK$2.17M · loan HK$3.25M · min. income ≈ HK$31,488/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$121,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,481
−HK$891/mo
▼ 0.25% · 3.875%
HK$16,923
−HK$449/mo
Today · 4.125%
HK$17,372
baseline
▲ 0.50% · 4.625%
HK$18,287
+HK$915/mo
Deposit HK$2.17M · loan HK$3.25M · min. income ≈ HK$34,744/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$121,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,284
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$17,822
−HK$546/mo
Today · 4.125%
HK$18,368
baseline
▲ 0.50% · 4.625%
HK$19,485
+HK$1,117/mo
Deposit HK$1.62M · loan HK$3.79M · min. income ≈ HK$36,736/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$121,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,228
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$19,744
−HK$523/mo
Today · 4.125%
HK$20,267
baseline
▲ 0.50% · 4.625%
HK$21,335
+HK$1,068/mo
Deposit HK$1.62M · loan HK$3.79M · min. income ≈ HK$40,534/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$121,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,222
−HK$1,394/mo
▼ 0.25% · 3.875%
HK$22,913
−HK$703/mo
Today · 4.125%
HK$23,616
baseline
▲ 0.50% · 4.625%
HK$25,053
+HK$1,437/mo
Deposit HK$541K · loan HK$4.87M · min. income ≈ HK$47,232/mo (50% DSR)
Upfront cash ≈ HK$663K (deposit + AVD stamp duty HK$121,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,722
−HK$1,336/mo
▼ 0.25% · 3.875%
HK$25,385
−HK$673/mo
Today · 4.125%
HK$26,058
baseline
▲ 0.50% · 4.625%
HK$27,431
+HK$1,373/mo
Deposit HK$541K · loan HK$4.87M · min. income ≈ HK$52,116/mo (50% DSR)
Upfront cash ≈ HK$663K (deposit + AVD stamp duty HK$121,819 · 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).