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$12,421
−HK$779/mo
▼ 0.25% · 3.875%
HK$12,807
−HK$393/mo
Today · 4.125%
HK$13,200
baseline
▲ 0.50% · 4.625%
HK$14,003
+HK$803/mo
Deposit HK$2.72M · loan HK$2.72M · min. income ≈ HK$26,400/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$122,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,818
−HK$746/mo
▼ 0.25% · 3.875%
HK$14,188
−HK$376/mo
Today · 4.125%
HK$14,564
baseline
▲ 0.50% · 4.625%
HK$15,332
+HK$768/mo
Deposit HK$2.72M · loan HK$2.72M · min. income ≈ HK$29,128/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$122,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,905
−HK$935/mo
▼ 0.25% · 3.875%
HK$15,368
−HK$472/mo
Today · 4.125%
HK$15,840
baseline
▲ 0.50% · 4.625%
HK$16,803
+HK$963/mo
Deposit HK$2.18M · loan HK$3.27M · min. income ≈ HK$31,680/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,581
−HK$896/mo
▼ 0.25% · 3.875%
HK$17,026
−HK$451/mo
Today · 4.125%
HK$17,477
baseline
▲ 0.50% · 4.625%
HK$18,399
+HK$922/mo
Deposit HK$2.18M · loan HK$3.27M · min. income ≈ HK$34,954/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,389
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$17,930
−HK$549/mo
Today · 4.125%
HK$18,479
baseline
▲ 0.50% · 4.625%
HK$19,604
+HK$1,125/mo
Deposit HK$1.63M · loan HK$3.81M · min. income ≈ HK$36,958/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,345
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$19,864
−HK$526/mo
Today · 4.125%
HK$20,390
baseline
▲ 0.50% · 4.625%
HK$21,465
+HK$1,075/mo
Deposit HK$1.63M · loan HK$3.81M · min. income ≈ HK$40,780/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,357
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$23,053
−HK$706/mo
Today · 4.125%
HK$23,759
baseline
▲ 0.50% · 4.625%
HK$25,205
+HK$1,446/mo
Deposit HK$545K · loan HK$4.90M · min. income ≈ HK$47,518/mo (50% DSR)
Upfront cash ≈ HK$667K (deposit + AVD stamp duty HK$122,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,872
−HK$1,344/mo
▼ 0.25% · 3.875%
HK$25,539
−HK$677/mo
Today · 4.125%
HK$26,216
baseline
▲ 0.50% · 4.625%
HK$27,598
+HK$1,382/mo
Deposit HK$545K · loan HK$4.90M · min. income ≈ HK$52,432/mo (50% DSR)
Upfront cash ≈ HK$667K (deposit + AVD stamp duty HK$122,559 · 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).