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$12,395
−HK$777/mo
▼ 0.25% · 3.875%
HK$12,781
−HK$391/mo
Today · 4.125%
HK$13,172
baseline
▲ 0.50% · 4.625%
HK$13,974
+HK$802/mo
Deposit HK$2.72M · loan HK$2.72M · min. income ≈ HK$26,344/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$122,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,789
−HK$745/mo
▼ 0.25% · 3.875%
HK$14,159
−HK$375/mo
Today · 4.125%
HK$14,534
baseline
▲ 0.50% · 4.625%
HK$15,300
+HK$766/mo
Deposit HK$2.72M · loan HK$2.72M · min. income ≈ HK$29,068/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$122,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,874
−HK$933/mo
▼ 0.25% · 3.875%
HK$15,337
−HK$470/mo
Today · 4.125%
HK$15,807
baseline
▲ 0.50% · 4.625%
HK$16,768
+HK$961/mo
Deposit HK$2.17M · loan HK$3.26M · min. income ≈ HK$31,614/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,547
−HK$894/mo
▼ 0.25% · 3.875%
HK$16,991
−HK$450/mo
Today · 4.125%
HK$17,441
baseline
▲ 0.50% · 4.625%
HK$18,360
+HK$919/mo
Deposit HK$2.17M · loan HK$3.26M · min. income ≈ HK$34,882/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,353
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$17,893
−HK$548/mo
Today · 4.125%
HK$18,441
baseline
▲ 0.50% · 4.625%
HK$19,563
+HK$1,122/mo
Deposit HK$1.63M · loan HK$3.81M · min. income ≈ HK$36,882/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$122,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,305
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$19,823
−HK$525/mo
Today · 4.125%
HK$20,348
baseline
▲ 0.50% · 4.625%
HK$21,421
+HK$1,073/mo
Deposit HK$1.63M · loan HK$3.81M · min. income ≈ HK$40,696/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$122,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,311
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$23,005
−HK$705/mo
Today · 4.125%
HK$23,710
baseline
▲ 0.50% · 4.625%
HK$25,153
+HK$1,443/mo
Deposit HK$544K · loan HK$4.89M · min. income ≈ HK$47,420/mo (50% DSR)
Upfront cash ≈ HK$666K (deposit + AVD stamp duty HK$122,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,821
−HK$1,341/mo
▼ 0.25% · 3.875%
HK$25,486
−HK$676/mo
Today · 4.125%
HK$26,162
baseline
▲ 0.50% · 4.625%
HK$27,541
+HK$1,379/mo
Deposit HK$544K · loan HK$4.89M · min. income ≈ HK$52,324/mo (50% DSR)
Upfront cash ≈ HK$666K (deposit + AVD stamp duty HK$122,306 · 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).