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$12,401
−HK$778/mo
▼ 0.25% · 3.875%
HK$12,787
−HK$392/mo
Today · 4.125%
HK$13,179
baseline
▲ 0.50% · 4.625%
HK$13,981
+HK$802/mo
Deposit HK$2.72M · loan HK$2.72M · min. income ≈ HK$26,358/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$122,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,796
−HK$745/mo
▼ 0.25% · 3.875%
HK$14,166
−HK$375/mo
Today · 4.125%
HK$14,541
baseline
▲ 0.50% · 4.625%
HK$15,308
+HK$767/mo
Deposit HK$2.72M · loan HK$2.72M · min. income ≈ HK$29,082/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$122,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,881
−HK$933/mo
▼ 0.25% · 3.875%
HK$15,344
−HK$470/mo
Today · 4.125%
HK$15,814
baseline
▲ 0.50% · 4.625%
HK$16,777
+HK$963/mo
Deposit HK$2.18M · loan HK$3.26M · min. income ≈ HK$31,628/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,555
−HK$895/mo
▼ 0.25% · 3.875%
HK$16,999
−HK$451/mo
Today · 4.125%
HK$17,450
baseline
▲ 0.50% · 4.625%
HK$18,370
+HK$920/mo
Deposit HK$2.18M · loan HK$3.26M · min. income ≈ HK$34,900/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,362
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$17,902
−HK$548/mo
Today · 4.125%
HK$18,450
baseline
▲ 0.50% · 4.625%
HK$19,573
+HK$1,123/mo
Deposit HK$1.63M · loan HK$3.81M · min. income ≈ HK$36,900/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$122,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,315
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$19,833
−HK$525/mo
Today · 4.125%
HK$20,358
baseline
▲ 0.50% · 4.625%
HK$21,431
+HK$1,073/mo
Deposit HK$1.63M · loan HK$3.81M · min. income ≈ HK$40,716/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$122,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,322
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$23,016
−HK$706/mo
Today · 4.125%
HK$23,722
baseline
▲ 0.50% · 4.625%
HK$25,165
+HK$1,443/mo
Deposit HK$544K · loan HK$4.89M · min. income ≈ HK$47,444/mo (50% DSR)
Upfront cash ≈ HK$666K (deposit + AVD stamp duty HK$122,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,833
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$25,499
−HK$676/mo
Today · 4.125%
HK$26,175
baseline
▲ 0.50% · 4.625%
HK$27,554
+HK$1,379/mo
Deposit HK$544K · loan HK$4.89M · min. income ≈ HK$52,350/mo (50% DSR)
Upfront cash ≈ HK$666K (deposit + AVD stamp duty HK$122,366 · 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).