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$12,385
−HK$776/mo
▼ 0.25% · 3.875%
HK$12,770
−HK$391/mo
Today · 4.125%
HK$13,161
baseline
▲ 0.50% · 4.625%
HK$13,962
+HK$801/mo
Deposit HK$2.72M · loan HK$2.72M · min. income ≈ HK$26,322/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$122,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,778
−HK$744/mo
▼ 0.25% · 3.875%
HK$14,147
−HK$375/mo
Today · 4.125%
HK$14,522
baseline
▲ 0.50% · 4.625%
HK$15,288
+HK$766/mo
Deposit HK$2.72M · loan HK$2.72M · min. income ≈ HK$29,044/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$122,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,862
−HK$932/mo
▼ 0.25% · 3.875%
HK$15,324
−HK$470/mo
Today · 4.125%
HK$15,794
baseline
▲ 0.50% · 4.625%
HK$16,755
+HK$961/mo
Deposit HK$2.17M · loan HK$3.26M · min. income ≈ HK$31,588/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$122,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,533
−HK$894/mo
▼ 0.25% · 3.875%
HK$16,977
−HK$450/mo
Today · 4.125%
HK$17,427
baseline
▲ 0.50% · 4.625%
HK$18,345
+HK$918/mo
Deposit HK$2.17M · loan HK$3.26M · min. income ≈ HK$34,854/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$122,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,339
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$17,878
−HK$548/mo
Today · 4.125%
HK$18,426
baseline
▲ 0.50% · 4.625%
HK$19,547
+HK$1,121/mo
Deposit HK$1.63M · loan HK$3.80M · min. income ≈ HK$36,852/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$122,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,289
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$19,806
−HK$525/mo
Today · 4.125%
HK$20,331
baseline
▲ 0.50% · 4.625%
HK$21,403
+HK$1,072/mo
Deposit HK$1.63M · loan HK$3.80M · min. income ≈ HK$40,662/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$122,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,292
−HK$1,398/mo
▼ 0.25% · 3.875%
HK$22,986
−HK$704/mo
Today · 4.125%
HK$23,690
baseline
▲ 0.50% · 4.625%
HK$25,132
+HK$1,442/mo
Deposit HK$543K · loan HK$4.89M · min. income ≈ HK$47,380/mo (50% DSR)
Upfront cash ≈ HK$665K (deposit + AVD stamp duty HK$122,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,800
−HK$1,340/mo
▼ 0.25% · 3.875%
HK$25,465
−HK$675/mo
Today · 4.125%
HK$26,140
baseline
▲ 0.50% · 4.625%
HK$27,518
+HK$1,378/mo
Deposit HK$543K · loan HK$4.89M · min. income ≈ HK$52,280/mo (50% DSR)
Upfront cash ≈ HK$665K (deposit + AVD stamp duty HK$122,204 · 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).