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$12,402
−HK$778/mo
▼ 0.25% · 3.875%
HK$12,788
−HK$392/mo
Today · 4.125%
HK$13,180
baseline
▲ 0.50% · 4.625%
HK$13,982
+HK$802/mo
Deposit HK$2.72M · loan HK$2.72M · min. income ≈ HK$26,360/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$122,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,797
−HK$745/mo
▼ 0.25% · 3.875%
HK$14,167
−HK$375/mo
Today · 4.125%
HK$14,542
baseline
▲ 0.50% · 4.625%
HK$15,309
+HK$767/mo
Deposit HK$2.72M · loan HK$2.72M · min. income ≈ HK$29,084/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$122,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,882
−HK$934/mo
▼ 0.25% · 3.875%
HK$15,345
−HK$471/mo
Today · 4.125%
HK$15,816
baseline
▲ 0.50% · 4.625%
HK$16,778
+HK$962/mo
Deposit HK$2.18M · loan HK$3.26M · min. income ≈ HK$31,632/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,556
−HK$895/mo
▼ 0.25% · 3.875%
HK$17,000
−HK$451/mo
Today · 4.125%
HK$17,451
baseline
▲ 0.50% · 4.625%
HK$18,371
+HK$920/mo
Deposit HK$2.18M · loan HK$3.26M · min. income ≈ HK$34,902/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,363
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$17,903
−HK$548/mo
Today · 4.125%
HK$18,451
baseline
▲ 0.50% · 4.625%
HK$19,574
+HK$1,123/mo
Deposit HK$1.63M · loan HK$3.81M · min. income ≈ HK$36,902/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$122,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,316
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$19,834
−HK$525/mo
Today · 4.125%
HK$20,359
baseline
▲ 0.50% · 4.625%
HK$21,432
+HK$1,073/mo
Deposit HK$1.63M · loan HK$3.81M · min. income ≈ HK$40,718/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$122,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,323
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$23,018
−HK$705/mo
Today · 4.125%
HK$23,723
baseline
▲ 0.50% · 4.625%
HK$25,167
+HK$1,444/mo
Deposit HK$544K · loan HK$4.89M · min. income ≈ HK$47,446/mo (50% DSR)
Upfront cash ≈ HK$666K (deposit + AVD stamp duty HK$122,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,835
−HK$1,341/mo
▼ 0.25% · 3.875%
HK$25,501
−HK$675/mo
Today · 4.125%
HK$26,176
baseline
▲ 0.50% · 4.625%
HK$27,556
+HK$1,380/mo
Deposit HK$544K · loan HK$4.89M · min. income ≈ HK$52,352/mo (50% DSR)
Upfront cash ≈ HK$666K (deposit + AVD stamp duty HK$122,374 · 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).