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$12,377
−HK$776/mo
▼ 0.25% · 3.875%
HK$12,762
−HK$391/mo
Today · 4.125%
HK$13,153
baseline
▲ 0.50% · 4.625%
HK$13,953
+HK$800/mo
Deposit HK$2.71M · loan HK$2.71M · min. income ≈ HK$26,306/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$122,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,769
−HK$744/mo
▼ 0.25% · 3.875%
HK$14,138
−HK$375/mo
Today · 4.125%
HK$14,513
baseline
▲ 0.50% · 4.625%
HK$15,278
+HK$765/mo
Deposit HK$2.71M · loan HK$2.71M · min. income ≈ HK$29,026/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$122,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,852
−HK$932/mo
▼ 0.25% · 3.875%
HK$15,314
−HK$470/mo
Today · 4.125%
HK$15,784
baseline
▲ 0.50% · 4.625%
HK$16,744
+HK$960/mo
Deposit HK$2.17M · loan HK$3.26M · min. income ≈ HK$31,568/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$122,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,523
−HK$893/mo
▼ 0.25% · 3.875%
HK$16,966
−HK$450/mo
Today · 4.125%
HK$17,416
baseline
▲ 0.50% · 4.625%
HK$18,334
+HK$918/mo
Deposit HK$2.17M · loan HK$3.26M · min. income ≈ HK$34,832/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$122,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,328
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$17,867
−HK$547/mo
Today · 4.125%
HK$18,414
baseline
▲ 0.50% · 4.625%
HK$19,535
+HK$1,121/mo
Deposit HK$1.63M · loan HK$3.80M · min. income ≈ HK$36,828/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$122,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,277
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$19,794
−HK$524/mo
Today · 4.125%
HK$20,318
baseline
▲ 0.50% · 4.625%
HK$21,389
+HK$1,071/mo
Deposit HK$1.63M · loan HK$3.80M · min. income ≈ HK$40,636/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$122,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,278
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$22,971
−HK$704/mo
Today · 4.125%
HK$23,675
baseline
▲ 0.50% · 4.625%
HK$25,116
+HK$1,441/mo
Deposit HK$543K · loan HK$4.89M · min. income ≈ HK$47,350/mo (50% DSR)
Upfront cash ≈ HK$665K (deposit + AVD stamp duty HK$122,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,784
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$25,449
−HK$674/mo
Today · 4.125%
HK$26,123
baseline
▲ 0.50% · 4.625%
HK$27,500
+HK$1,377/mo
Deposit HK$543K · loan HK$4.89M · min. income ≈ HK$52,246/mo (50% DSR)
Upfront cash ≈ HK$665K (deposit + AVD stamp duty HK$122,127 · 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).