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$12,290
−HK$771/mo
▼ 0.25% · 3.875%
HK$12,672
−HK$389/mo
Today · 4.125%
HK$13,061
baseline
▲ 0.50% · 4.625%
HK$13,856
+HK$795/mo
Deposit HK$2.69M · loan HK$2.69M · min. income ≈ HK$26,122/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$121,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,673
−HK$738/mo
▼ 0.25% · 3.875%
HK$14,039
−HK$372/mo
Today · 4.125%
HK$14,411
baseline
▲ 0.50% · 4.625%
HK$15,171
+HK$760/mo
Deposit HK$2.69M · loan HK$2.69M · min. income ≈ HK$28,822/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$121,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,748
−HK$925/mo
▼ 0.25% · 3.875%
HK$15,207
−HK$466/mo
Today · 4.125%
HK$15,673
baseline
▲ 0.50% · 4.625%
HK$16,627
+HK$954/mo
Deposit HK$2.16M · loan HK$3.23M · min. income ≈ HK$31,346/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,407
−HK$887/mo
▼ 0.25% · 3.875%
HK$16,847
−HK$447/mo
Today · 4.125%
HK$17,294
baseline
▲ 0.50% · 4.625%
HK$18,205
+HK$911/mo
Deposit HK$2.16M · loan HK$3.23M · min. income ≈ HK$34,588/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,206
−HK$1,079/mo
▼ 0.25% · 3.875%
HK$17,741
−HK$544/mo
Today · 4.125%
HK$18,285
baseline
▲ 0.50% · 4.625%
HK$19,398
+HK$1,113/mo
Deposit HK$1.62M · loan HK$3.77M · min. income ≈ HK$36,570/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,142
−HK$1,034/mo
▼ 0.25% · 3.875%
HK$19,655
−HK$521/mo
Today · 4.125%
HK$20,176
baseline
▲ 0.50% · 4.625%
HK$21,239
+HK$1,063/mo
Deposit HK$1.62M · loan HK$3.77M · min. income ≈ HK$40,352/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,122
−HK$1,388/mo
▼ 0.25% · 3.875%
HK$22,810
−HK$700/mo
Today · 4.125%
HK$23,510
baseline
▲ 0.50% · 4.625%
HK$24,940
+HK$1,430/mo
Deposit HK$539K · loan HK$4.85M · min. income ≈ HK$47,020/mo (50% DSR)
Upfront cash ≈ HK$660K (deposit + AVD stamp duty HK$121,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,611
−HK$1,329/mo
▼ 0.25% · 3.875%
HK$25,271
−HK$669/mo
Today · 4.125%
HK$25,940
baseline
▲ 0.50% · 4.625%
HK$27,308
+HK$1,368/mo
Deposit HK$539K · loan HK$4.85M · min. income ≈ HK$51,880/mo (50% DSR)
Upfront cash ≈ HK$660K (deposit + AVD stamp duty HK$121,271 · 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).