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$12,367
−HK$776/mo
▼ 0.25% · 3.875%
HK$12,752
−HK$391/mo
Today · 4.125%
HK$13,143
baseline
▲ 0.50% · 4.625%
HK$13,942
+HK$799/mo
Deposit HK$2.71M · loan HK$2.71M · min. income ≈ HK$26,286/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$122,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,758
−HK$744/mo
▼ 0.25% · 3.875%
HK$14,127
−HK$375/mo
Today · 4.125%
HK$14,502
baseline
▲ 0.50% · 4.625%
HK$15,266
+HK$764/mo
Deposit HK$2.71M · loan HK$2.71M · min. income ≈ HK$29,004/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$122,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,841
−HK$930/mo
▼ 0.25% · 3.875%
HK$15,302
−HK$469/mo
Today · 4.125%
HK$15,771
baseline
▲ 0.50% · 4.625%
HK$16,731
+HK$960/mo
Deposit HK$2.17M · loan HK$3.25M · min. income ≈ HK$31,542/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$122,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,510
−HK$892/mo
▼ 0.25% · 3.875%
HK$16,953
−HK$449/mo
Today · 4.125%
HK$17,402
baseline
▲ 0.50% · 4.625%
HK$18,319
+HK$917/mo
Deposit HK$2.17M · loan HK$3.25M · min. income ≈ HK$34,804/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$122,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,314
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$17,853
−HK$547/mo
Today · 4.125%
HK$18,400
baseline
▲ 0.50% · 4.625%
HK$19,519
+HK$1,119/mo
Deposit HK$1.63M · loan HK$3.80M · min. income ≈ HK$36,800/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$122,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,262
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$19,778
−HK$524/mo
Today · 4.125%
HK$20,302
baseline
▲ 0.50% · 4.625%
HK$21,372
+HK$1,070/mo
Deposit HK$1.63M · loan HK$3.80M · min. income ≈ HK$40,604/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$122,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,261
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$22,953
−HK$704/mo
Today · 4.125%
HK$23,657
baseline
▲ 0.50% · 4.625%
HK$25,096
+HK$1,439/mo
Deposit HK$542K · loan HK$4.88M · min. income ≈ HK$47,314/mo (50% DSR)
Upfront cash ≈ HK$664K (deposit + AVD stamp duty HK$122,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,765
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$25,429
−HK$674/mo
Today · 4.125%
HK$26,103
baseline
▲ 0.50% · 4.625%
HK$27,479
+HK$1,376/mo
Deposit HK$542K · loan HK$4.88M · min. income ≈ HK$52,206/mo (50% DSR)
Upfront cash ≈ HK$664K (deposit + AVD stamp duty HK$122,031 · 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).