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$12,411
−HK$778/mo
▼ 0.25% · 3.875%
HK$12,797
−HK$392/mo
Today · 4.125%
HK$13,189
baseline
▲ 0.50% · 4.625%
HK$13,992
+HK$803/mo
Deposit HK$2.72M · loan HK$2.72M · min. income ≈ HK$26,378/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$122,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,807
−HK$746/mo
▼ 0.25% · 3.875%
HK$14,177
−HK$376/mo
Today · 4.125%
HK$14,553
baseline
▲ 0.50% · 4.625%
HK$15,320
+HK$767/mo
Deposit HK$2.72M · loan HK$2.72M · min. income ≈ HK$29,106/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$122,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,893
−HK$934/mo
▼ 0.25% · 3.875%
HK$15,357
−HK$470/mo
Today · 4.125%
HK$15,827
baseline
▲ 0.50% · 4.625%
HK$16,790
+HK$963/mo
Deposit HK$2.18M · loan HK$3.27M · min. income ≈ HK$31,654/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,569
−HK$895/mo
▼ 0.25% · 3.875%
HK$17,013
−HK$451/mo
Today · 4.125%
HK$17,464
baseline
▲ 0.50% · 4.625%
HK$18,384
+HK$920/mo
Deposit HK$2.18M · loan HK$3.27M · min. income ≈ HK$34,928/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,375
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$17,916
−HK$549/mo
Today · 4.125%
HK$18,465
baseline
▲ 0.50% · 4.625%
HK$19,589
+HK$1,124/mo
Deposit HK$1.63M · loan HK$3.81M · min. income ≈ HK$36,930/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,330
−HK$1,044/mo
▼ 0.25% · 3.875%
HK$19,848
−HK$526/mo
Today · 4.125%
HK$20,374
baseline
▲ 0.50% · 4.625%
HK$21,448
+HK$1,074/mo
Deposit HK$1.63M · loan HK$3.81M · min. income ≈ HK$40,748/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,340
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$23,035
−HK$706/mo
Today · 4.125%
HK$23,741
baseline
▲ 0.50% · 4.625%
HK$25,185
+HK$1,444/mo
Deposit HK$544K · loan HK$4.90M · min. income ≈ HK$47,482/mo (50% DSR)
Upfront cash ≈ HK$667K (deposit + AVD stamp duty HK$122,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,853
−HK$1,343/mo
▼ 0.25% · 3.875%
HK$25,519
−HK$677/mo
Today · 4.125%
HK$26,196
baseline
▲ 0.50% · 4.625%
HK$27,576
+HK$1,380/mo
Deposit HK$544K · loan HK$4.90M · min. income ≈ HK$52,392/mo (50% DSR)
Upfront cash ≈ HK$667K (deposit + AVD stamp duty HK$122,464 · 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).