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$12,355
−HK$774/mo
▼ 0.25% · 3.875%
HK$12,739
−HK$390/mo
Today · 4.125%
HK$13,129
baseline
▲ 0.50% · 4.625%
HK$13,928
+HK$799/mo
Deposit HK$2.71M · loan HK$2.71M · min. income ≈ HK$26,258/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$121,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,744
−HK$743/mo
▼ 0.25% · 3.875%
HK$14,113
−HK$374/mo
Today · 4.125%
HK$14,487
baseline
▲ 0.50% · 4.625%
HK$15,251
+HK$764/mo
Deposit HK$2.71M · loan HK$2.71M · min. income ≈ HK$28,974/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$121,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,826
−HK$929/mo
▼ 0.25% · 3.875%
HK$15,287
−HK$468/mo
Today · 4.125%
HK$15,755
baseline
▲ 0.50% · 4.625%
HK$16,714
+HK$959/mo
Deposit HK$2.17M · loan HK$3.25M · min. income ≈ HK$31,510/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$121,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,493
−HK$891/mo
▼ 0.25% · 3.875%
HK$16,936
−HK$448/mo
Today · 4.125%
HK$17,384
baseline
▲ 0.50% · 4.625%
HK$18,301
+HK$917/mo
Deposit HK$2.17M · loan HK$3.25M · min. income ≈ HK$34,768/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$121,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,296
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$17,834
−HK$547/mo
Today · 4.125%
HK$18,381
baseline
▲ 0.50% · 4.625%
HK$19,500
+HK$1,119/mo
Deposit HK$1.63M · loan HK$3.79M · min. income ≈ HK$36,762/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$121,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,242
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$19,758
−HK$524/mo
Today · 4.125%
HK$20,282
baseline
▲ 0.50% · 4.625%
HK$21,351
+HK$1,069/mo
Deposit HK$1.63M · loan HK$3.79M · min. income ≈ HK$40,564/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$121,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,238
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$22,930
−HK$703/mo
Today · 4.125%
HK$23,633
baseline
▲ 0.50% · 4.625%
HK$25,071
+HK$1,438/mo
Deposit HK$542K · loan HK$4.88M · min. income ≈ HK$47,266/mo (50% DSR)
Upfront cash ≈ HK$664K (deposit + AVD stamp duty HK$121,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,740
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$25,403
−HK$674/mo
Today · 4.125%
HK$26,077
baseline
▲ 0.50% · 4.625%
HK$27,451
+HK$1,374/mo
Deposit HK$542K · loan HK$4.88M · min. income ≈ HK$52,154/mo (50% DSR)
Upfront cash ≈ HK$664K (deposit + AVD stamp duty HK$121,907 · 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).