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$12,366
−HK$776/mo
▼ 0.25% · 3.875%
HK$12,751
−HK$391/mo
Today · 4.125%
HK$13,142
baseline
▲ 0.50% · 4.625%
HK$13,941
+HK$799/mo
Deposit HK$2.71M · loan HK$2.71M · min. income ≈ HK$26,284/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$122,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,757
−HK$744/mo
▼ 0.25% · 3.875%
HK$14,126
−HK$375/mo
Today · 4.125%
HK$14,501
baseline
▲ 0.50% · 4.625%
HK$15,265
+HK$764/mo
Deposit HK$2.71M · loan HK$2.71M · min. income ≈ HK$29,002/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$122,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,839
−HK$931/mo
▼ 0.25% · 3.875%
HK$15,301
−HK$469/mo
Today · 4.125%
HK$15,770
baseline
▲ 0.50% · 4.625%
HK$16,730
+HK$960/mo
Deposit HK$2.17M · loan HK$3.25M · min. income ≈ HK$31,540/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$122,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,509
−HK$892/mo
▼ 0.25% · 3.875%
HK$16,952
−HK$449/mo
Today · 4.125%
HK$17,401
baseline
▲ 0.50% · 4.625%
HK$18,318
+HK$917/mo
Deposit HK$2.17M · loan HK$3.25M · min. income ≈ HK$34,802/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$122,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,313
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$17,851
−HK$547/mo
Today · 4.125%
HK$18,398
baseline
▲ 0.50% · 4.625%
HK$19,518
+HK$1,120/mo
Deposit HK$1.63M · loan HK$3.80M · min. income ≈ HK$36,796/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$122,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,260
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$19,777
−HK$524/mo
Today · 4.125%
HK$20,301
baseline
▲ 0.50% · 4.625%
HK$21,371
+HK$1,070/mo
Deposit HK$1.63M · loan HK$3.80M · min. income ≈ HK$40,602/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$122,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,259
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$22,952
−HK$703/mo
Today · 4.125%
HK$23,655
baseline
▲ 0.50% · 4.625%
HK$25,094
+HK$1,439/mo
Deposit HK$542K · loan HK$4.88M · min. income ≈ HK$47,310/mo (50% DSR)
Upfront cash ≈ HK$664K (deposit + AVD stamp duty HK$122,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,763
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$25,427
−HK$674/mo
Today · 4.125%
HK$26,101
baseline
▲ 0.50% · 4.625%
HK$27,477
+HK$1,376/mo
Deposit HK$542K · loan HK$4.88M · min. income ≈ HK$52,202/mo (50% DSR)
Upfront cash ≈ HK$664K (deposit + AVD stamp duty HK$122,022 · 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).