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$12,348
−HK$774/mo
▼ 0.25% · 3.875%
HK$12,732
−HK$390/mo
Today · 4.125%
HK$13,122
baseline
▲ 0.50% · 4.625%
HK$13,920
+HK$798/mo
Deposit HK$2.71M · loan HK$2.71M · min. income ≈ HK$26,244/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$121,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,737
−HK$742/mo
▼ 0.25% · 3.875%
HK$14,105
−HK$374/mo
Today · 4.125%
HK$14,479
baseline
▲ 0.50% · 4.625%
HK$15,242
+HK$763/mo
Deposit HK$2.71M · loan HK$2.71M · min. income ≈ HK$28,958/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$121,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,817
−HK$929/mo
▼ 0.25% · 3.875%
HK$15,278
−HK$468/mo
Today · 4.125%
HK$15,746
baseline
▲ 0.50% · 4.625%
HK$16,705
+HK$959/mo
Deposit HK$2.17M · loan HK$3.25M · min. income ≈ HK$31,492/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$121,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,484
−HK$891/mo
▼ 0.25% · 3.875%
HK$16,926
−HK$449/mo
Today · 4.125%
HK$17,375
baseline
▲ 0.50% · 4.625%
HK$18,290
+HK$915/mo
Deposit HK$2.17M · loan HK$3.25M · min. income ≈ HK$34,750/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$121,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,287
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$17,825
−HK$546/mo
Today · 4.125%
HK$18,371
baseline
▲ 0.50% · 4.625%
HK$19,489
+HK$1,118/mo
Deposit HK$1.62M · loan HK$3.79M · min. income ≈ HK$36,742/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$121,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,231
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$19,747
−HK$523/mo
Today · 4.125%
HK$20,270
baseline
▲ 0.50% · 4.625%
HK$21,339
+HK$1,069/mo
Deposit HK$1.62M · loan HK$3.79M · min. income ≈ HK$40,540/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$121,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,226
−HK$1,394/mo
▼ 0.25% · 3.875%
HK$22,917
−HK$703/mo
Today · 4.125%
HK$23,620
baseline
▲ 0.50% · 4.625%
HK$25,057
+HK$1,437/mo
Deposit HK$542K · loan HK$4.87M · min. income ≈ HK$47,240/mo (50% DSR)
Upfront cash ≈ HK$663K (deposit + AVD stamp duty HK$121,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,726
−HK$1,336/mo
▼ 0.25% · 3.875%
HK$25,389
−HK$673/mo
Today · 4.125%
HK$26,062
baseline
▲ 0.50% · 4.625%
HK$27,436
+HK$1,374/mo
Deposit HK$542K · loan HK$4.87M · min. income ≈ HK$52,124/mo (50% DSR)
Upfront cash ≈ HK$663K (deposit + AVD stamp duty HK$121,839 · 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).