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$12,361
−HK$775/mo
▼ 0.25% · 3.875%
HK$12,745
−HK$391/mo
Today · 4.125%
HK$13,136
baseline
▲ 0.50% · 4.625%
HK$13,935
+HK$799/mo
Deposit HK$2.71M · loan HK$2.71M · min. income ≈ HK$26,272/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$121,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,751
−HK$743/mo
▼ 0.25% · 3.875%
HK$14,120
−HK$374/mo
Today · 4.125%
HK$14,494
baseline
▲ 0.50% · 4.625%
HK$15,258
+HK$764/mo
Deposit HK$2.71M · loan HK$2.71M · min. income ≈ HK$28,988/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$121,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,833
−HK$930/mo
▼ 0.25% · 3.875%
HK$15,294
−HK$469/mo
Today · 4.125%
HK$15,763
baseline
▲ 0.50% · 4.625%
HK$16,722
+HK$959/mo
Deposit HK$2.17M · loan HK$3.25M · min. income ≈ HK$31,526/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$121,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,501
−HK$892/mo
▼ 0.25% · 3.875%
HK$16,944
−HK$449/mo
Today · 4.125%
HK$17,393
baseline
▲ 0.50% · 4.625%
HK$18,310
+HK$917/mo
Deposit HK$2.17M · loan HK$3.25M · min. income ≈ HK$34,786/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$121,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,305
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$17,843
−HK$547/mo
Today · 4.125%
HK$18,390
baseline
▲ 0.50% · 4.625%
HK$19,509
+HK$1,119/mo
Deposit HK$1.63M · loan HK$3.79M · min. income ≈ HK$36,780/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$121,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,252
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$19,768
−HK$524/mo
Today · 4.125%
HK$20,292
baseline
▲ 0.50% · 4.625%
HK$21,361
+HK$1,069/mo
Deposit HK$1.63M · loan HK$3.79M · min. income ≈ HK$40,584/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$121,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,249
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$22,941
−HK$703/mo
Today · 4.125%
HK$23,644
baseline
▲ 0.50% · 4.625%
HK$25,083
+HK$1,439/mo
Deposit HK$542K · loan HK$4.88M · min. income ≈ HK$47,288/mo (50% DSR)
Upfront cash ≈ HK$664K (deposit + AVD stamp duty HK$121,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,752
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$25,416
−HK$673/mo
Today · 4.125%
HK$26,089
baseline
▲ 0.50% · 4.625%
HK$27,464
+HK$1,375/mo
Deposit HK$542K · loan HK$4.88M · min. income ≈ HK$52,178/mo (50% DSR)
Upfront cash ≈ HK$664K (deposit + AVD stamp duty HK$121,967 · 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).