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$12,277
−HK$770/mo
▼ 0.25% · 3.875%
HK$12,659
−HK$388/mo
Today · 4.125%
HK$13,047
baseline
▲ 0.50% · 4.625%
HK$13,841
+HK$794/mo
Deposit HK$2.69M · loan HK$2.69M · min. income ≈ HK$26,094/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$121,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,658
−HK$738/mo
▼ 0.25% · 3.875%
HK$14,025
−HK$371/mo
Today · 4.125%
HK$14,396
baseline
▲ 0.50% · 4.625%
HK$15,155
+HK$759/mo
Deposit HK$2.69M · loan HK$2.69M · min. income ≈ HK$28,792/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$121,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,733
−HK$924/mo
▼ 0.25% · 3.875%
HK$15,191
−HK$466/mo
Today · 4.125%
HK$15,657
baseline
▲ 0.50% · 4.625%
HK$16,609
+HK$952/mo
Deposit HK$2.15M · loan HK$3.23M · min. income ≈ HK$31,314/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$121,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,390
−HK$886/mo
▼ 0.25% · 3.875%
HK$16,830
−HK$446/mo
Today · 4.125%
HK$17,276
baseline
▲ 0.50% · 4.625%
HK$18,186
+HK$910/mo
Deposit HK$2.15M · loan HK$3.23M · min. income ≈ HK$34,552/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$121,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,188
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$17,723
−HK$543/mo
Today · 4.125%
HK$18,266
baseline
▲ 0.50% · 4.625%
HK$19,378
+HK$1,112/mo
Deposit HK$1.62M · loan HK$3.77M · min. income ≈ HK$36,532/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,122
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$19,635
−HK$520/mo
Today · 4.125%
HK$20,155
baseline
▲ 0.50% · 4.625%
HK$21,217
+HK$1,062/mo
Deposit HK$1.62M · loan HK$3.77M · min. income ≈ HK$40,310/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,099
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$22,787
−HK$698/mo
Today · 4.125%
HK$23,485
baseline
▲ 0.50% · 4.625%
HK$24,914
+HK$1,429/mo
Deposit HK$538K · loan HK$4.85M · min. income ≈ HK$46,970/mo (50% DSR)
Upfront cash ≈ HK$660K (deposit + AVD stamp duty HK$121,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,585
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$25,244
−HK$669/mo
Today · 4.125%
HK$25,913
baseline
▲ 0.50% · 4.625%
HK$27,279
+HK$1,366/mo
Deposit HK$538K · loan HK$4.85M · min. income ≈ HK$51,826/mo (50% DSR)
Upfront cash ≈ HK$660K (deposit + AVD stamp duty HK$121,144 · 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).