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$12,405
−HK$778/mo
▼ 0.25% · 3.875%
HK$12,791
−HK$392/mo
Today · 4.125%
HK$13,183
baseline
▲ 0.50% · 4.625%
HK$13,985
+HK$802/mo
Deposit HK$2.72M · loan HK$2.72M · min. income ≈ HK$26,366/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$122,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,800
−HK$746/mo
▼ 0.25% · 3.875%
HK$14,170
−HK$376/mo
Today · 4.125%
HK$14,546
baseline
▲ 0.50% · 4.625%
HK$15,313
+HK$767/mo
Deposit HK$2.72M · loan HK$2.72M · min. income ≈ HK$29,092/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$122,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,886
−HK$933/mo
▼ 0.25% · 3.875%
HK$15,349
−HK$470/mo
Today · 4.125%
HK$15,819
baseline
▲ 0.50% · 4.625%
HK$16,782
+HK$963/mo
Deposit HK$2.18M · loan HK$3.26M · min. income ≈ HK$31,638/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,560
−HK$895/mo
▼ 0.25% · 3.875%
HK$17,005
−HK$450/mo
Today · 4.125%
HK$17,455
baseline
▲ 0.50% · 4.625%
HK$18,375
+HK$920/mo
Deposit HK$2.18M · loan HK$3.26M · min. income ≈ HK$34,910/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,367
−HK$1,089/mo
▼ 0.25% · 3.875%
HK$17,907
−HK$549/mo
Today · 4.125%
HK$18,456
baseline
▲ 0.50% · 4.625%
HK$19,579
+HK$1,123/mo
Deposit HK$1.63M · loan HK$3.81M · min. income ≈ HK$36,912/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$122,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,321
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$19,839
−HK$525/mo
Today · 4.125%
HK$20,364
baseline
▲ 0.50% · 4.625%
HK$21,438
+HK$1,074/mo
Deposit HK$1.63M · loan HK$3.81M · min. income ≈ HK$40,728/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$122,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,329
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$23,023
−HK$706/mo
Today · 4.125%
HK$23,729
baseline
▲ 0.50% · 4.625%
HK$25,173
+HK$1,444/mo
Deposit HK$544K · loan HK$4.90M · min. income ≈ HK$47,458/mo (50% DSR)
Upfront cash ≈ HK$666K (deposit + AVD stamp duty HK$122,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,841
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$25,507
−HK$676/mo
Today · 4.125%
HK$26,183
baseline
▲ 0.50% · 4.625%
HK$27,563
+HK$1,380/mo
Deposit HK$544K · loan HK$4.90M · min. income ≈ HK$52,366/mo (50% DSR)
Upfront cash ≈ HK$666K (deposit + AVD stamp duty HK$122,404 · 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).