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$12,381
−HK$776/mo
▼ 0.25% · 3.875%
HK$12,766
−HK$391/mo
Today · 4.125%
HK$13,157
baseline
▲ 0.50% · 4.625%
HK$13,958
+HK$801/mo
Deposit HK$2.71M · loan HK$2.71M · min. income ≈ HK$26,314/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$122,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,773
−HK$744/mo
▼ 0.25% · 3.875%
HK$14,143
−HK$374/mo
Today · 4.125%
HK$14,517
baseline
▲ 0.50% · 4.625%
HK$15,283
+HK$766/mo
Deposit HK$2.71M · loan HK$2.71M · min. income ≈ HK$29,034/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$122,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,857
−HK$931/mo
▼ 0.25% · 3.875%
HK$15,319
−HK$469/mo
Today · 4.125%
HK$15,788
baseline
▲ 0.50% · 4.625%
HK$16,749
+HK$961/mo
Deposit HK$2.17M · loan HK$3.26M · min. income ≈ HK$31,576/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$122,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,528
−HK$893/mo
▼ 0.25% · 3.875%
HK$16,971
−HK$450/mo
Today · 4.125%
HK$17,421
baseline
▲ 0.50% · 4.625%
HK$18,339
+HK$918/mo
Deposit HK$2.17M · loan HK$3.26M · min. income ≈ HK$34,842/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$122,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,333
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$17,872
−HK$548/mo
Today · 4.125%
HK$18,420
baseline
▲ 0.50% · 4.625%
HK$19,541
+HK$1,121/mo
Deposit HK$1.63M · loan HK$3.80M · min. income ≈ HK$36,840/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$122,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,283
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$19,800
−HK$524/mo
Today · 4.125%
HK$20,324
baseline
▲ 0.50% · 4.625%
HK$21,396
+HK$1,072/mo
Deposit HK$1.63M · loan HK$3.80M · min. income ≈ HK$40,648/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$122,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,285
−HK$1,398/mo
▼ 0.25% · 3.875%
HK$22,978
−HK$705/mo
Today · 4.125%
HK$23,683
baseline
▲ 0.50% · 4.625%
HK$25,124
+HK$1,441/mo
Deposit HK$543K · loan HK$4.89M · min. income ≈ HK$47,366/mo (50% DSR)
Upfront cash ≈ HK$665K (deposit + AVD stamp duty HK$122,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,792
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$25,457
−HK$674/mo
Today · 4.125%
HK$26,131
baseline
▲ 0.50% · 4.625%
HK$27,509
+HK$1,378/mo
Deposit HK$543K · loan HK$4.89M · min. income ≈ HK$52,262/mo (50% DSR)
Upfront cash ≈ HK$665K (deposit + AVD stamp duty HK$122,164 · 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).