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$12,413
−HK$778/mo
▼ 0.25% · 3.875%
HK$12,799
−HK$392/mo
Today · 4.125%
HK$13,191
baseline
▲ 0.50% · 4.625%
HK$13,994
+HK$803/mo
Deposit HK$2.72M · loan HK$2.72M · min. income ≈ HK$26,382/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$122,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,809
−HK$746/mo
▼ 0.25% · 3.875%
HK$14,180
−HK$375/mo
Today · 4.125%
HK$14,555
baseline
▲ 0.50% · 4.625%
HK$15,323
+HK$768/mo
Deposit HK$2.72M · loan HK$2.72M · min. income ≈ HK$29,110/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$122,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,896
−HK$934/mo
▼ 0.25% · 3.875%
HK$15,359
−HK$471/mo
Today · 4.125%
HK$15,830
baseline
▲ 0.50% · 4.625%
HK$16,793
+HK$963/mo
Deposit HK$2.18M · loan HK$3.27M · min. income ≈ HK$31,660/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,571
−HK$895/mo
▼ 0.25% · 3.875%
HK$17,016
−HK$450/mo
Today · 4.125%
HK$17,466
baseline
▲ 0.50% · 4.625%
HK$18,387
+HK$921/mo
Deposit HK$2.18M · loan HK$3.27M · min. income ≈ HK$34,932/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,378
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$17,919
−HK$549/mo
Today · 4.125%
HK$18,468
baseline
▲ 0.50% · 4.625%
HK$19,592
+HK$1,124/mo
Deposit HK$1.63M · loan HK$3.81M · min. income ≈ HK$36,936/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,333
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$19,852
−HK$526/mo
Today · 4.125%
HK$20,378
baseline
▲ 0.50% · 4.625%
HK$21,452
+HK$1,074/mo
Deposit HK$1.63M · loan HK$3.81M · min. income ≈ HK$40,756/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,343
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$23,038
−HK$707/mo
Today · 4.125%
HK$23,745
baseline
▲ 0.50% · 4.625%
HK$25,189
+HK$1,444/mo
Deposit HK$544K · loan HK$4.90M · min. income ≈ HK$47,490/mo (50% DSR)
Upfront cash ≈ HK$667K (deposit + AVD stamp duty HK$122,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,857
−HK$1,343/mo
▼ 0.25% · 3.875%
HK$25,523
−HK$677/mo
Today · 4.125%
HK$26,200
baseline
▲ 0.50% · 4.625%
HK$27,581
+HK$1,381/mo
Deposit HK$544K · loan HK$4.90M · min. income ≈ HK$52,400/mo (50% DSR)
Upfront cash ≈ HK$667K (deposit + AVD stamp duty HK$122,483 · 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).