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$12,375
−HK$775/mo
▼ 0.25% · 3.875%
HK$12,759
−HK$391/mo
Today · 4.125%
HK$13,150
baseline
▲ 0.50% · 4.625%
HK$13,951
+HK$801/mo
Deposit HK$2.71M · loan HK$2.71M · min. income ≈ HK$26,300/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$122,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,767
−HK$743/mo
▼ 0.25% · 3.875%
HK$14,136
−HK$374/mo
Today · 4.125%
HK$14,510
baseline
▲ 0.50% · 4.625%
HK$15,275
+HK$765/mo
Deposit HK$2.71M · loan HK$2.71M · min. income ≈ HK$29,020/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$122,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,849
−HK$932/mo
▼ 0.25% · 3.875%
HK$15,311
−HK$470/mo
Today · 4.125%
HK$15,781
baseline
▲ 0.50% · 4.625%
HK$16,741
+HK$960/mo
Deposit HK$2.17M · loan HK$3.26M · min. income ≈ HK$31,562/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$122,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,520
−HK$892/mo
▼ 0.25% · 3.875%
HK$16,963
−HK$449/mo
Today · 4.125%
HK$17,412
baseline
▲ 0.50% · 4.625%
HK$18,330
+HK$918/mo
Deposit HK$2.17M · loan HK$3.26M · min. income ≈ HK$34,824/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$122,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,324
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$17,863
−HK$548/mo
Today · 4.125%
HK$18,411
baseline
▲ 0.50% · 4.625%
HK$19,531
+HK$1,120/mo
Deposit HK$1.63M · loan HK$3.80M · min. income ≈ HK$36,822/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$122,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,273
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$19,790
−HK$524/mo
Today · 4.125%
HK$20,314
baseline
▲ 0.50% · 4.625%
HK$21,385
+HK$1,071/mo
Deposit HK$1.63M · loan HK$3.80M · min. income ≈ HK$40,628/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$122,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,274
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$22,967
−HK$704/mo
Today · 4.125%
HK$23,671
baseline
▲ 0.50% · 4.625%
HK$25,111
+HK$1,440/mo
Deposit HK$543K · loan HK$4.88M · min. income ≈ HK$47,342/mo (50% DSR)
Upfront cash ≈ HK$665K (deposit + AVD stamp duty HK$122,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,780
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$25,444
−HK$674/mo
Today · 4.125%
HK$26,118
baseline
▲ 0.50% · 4.625%
HK$27,495
+HK$1,377/mo
Deposit HK$543K · loan HK$4.88M · min. income ≈ HK$52,236/mo (50% DSR)
Upfront cash ≈ HK$665K (deposit + AVD stamp duty HK$122,104 · 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).