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$12,375
−HK$776/mo
▼ 0.25% · 3.875%
HK$12,760
−HK$391/mo
Today · 4.125%
HK$13,151
baseline
▲ 0.50% · 4.625%
HK$13,951
+HK$800/mo
Deposit HK$2.71M · loan HK$2.71M · min. income ≈ HK$26,302/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$122,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,767
−HK$743/mo
▼ 0.25% · 3.875%
HK$14,136
−HK$374/mo
Today · 4.125%
HK$14,510
baseline
▲ 0.50% · 4.625%
HK$15,275
+HK$765/mo
Deposit HK$2.71M · loan HK$2.71M · min. income ≈ HK$29,020/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$122,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,850
−HK$931/mo
▼ 0.25% · 3.875%
HK$15,312
−HK$469/mo
Today · 4.125%
HK$15,781
baseline
▲ 0.50% · 4.625%
HK$16,741
+HK$960/mo
Deposit HK$2.17M · loan HK$3.26M · min. income ≈ HK$31,562/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$122,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,520
−HK$893/mo
▼ 0.25% · 3.875%
HK$16,963
−HK$450/mo
Today · 4.125%
HK$17,413
baseline
▲ 0.50% · 4.625%
HK$18,330
+HK$917/mo
Deposit HK$2.17M · loan HK$3.26M · min. income ≈ HK$34,826/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$122,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,325
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$17,863
−HK$548/mo
Today · 4.125%
HK$18,411
baseline
▲ 0.50% · 4.625%
HK$19,531
+HK$1,120/mo
Deposit HK$1.63M · loan HK$3.80M · min. income ≈ HK$36,822/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$122,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,273
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$19,790
−HK$525/mo
Today · 4.125%
HK$20,315
baseline
▲ 0.50% · 4.625%
HK$21,385
+HK$1,070/mo
Deposit HK$1.63M · loan HK$3.80M · min. income ≈ HK$40,630/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$122,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,274
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$22,967
−HK$704/mo
Today · 4.125%
HK$23,671
baseline
▲ 0.50% · 4.625%
HK$25,112
+HK$1,441/mo
Deposit HK$543K · loan HK$4.88M · min. income ≈ HK$47,342/mo (50% DSR)
Upfront cash ≈ HK$665K (deposit + AVD stamp duty HK$122,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,780
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$25,445
−HK$674/mo
Today · 4.125%
HK$26,119
baseline
▲ 0.50% · 4.625%
HK$27,496
+HK$1,377/mo
Deposit HK$543K · loan HK$4.88M · min. income ≈ HK$52,238/mo (50% DSR)
Upfront cash ≈ HK$665K (deposit + AVD stamp duty HK$122,105 · 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).