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$12,357
−HK$774/mo
▼ 0.25% · 3.875%
HK$12,741
−HK$390/mo
Today · 4.125%
HK$13,131
baseline
▲ 0.50% · 4.625%
HK$13,931
+HK$800/mo
Deposit HK$2.71M · loan HK$2.71M · min. income ≈ HK$26,262/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$121,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,747
−HK$742/mo
▼ 0.25% · 3.875%
HK$14,115
−HK$374/mo
Today · 4.125%
HK$14,489
baseline
▲ 0.50% · 4.625%
HK$15,253
+HK$764/mo
Deposit HK$2.71M · loan HK$2.71M · min. income ≈ HK$28,978/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$121,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,828
−HK$930/mo
▼ 0.25% · 3.875%
HK$15,289
−HK$469/mo
Today · 4.125%
HK$15,758
baseline
▲ 0.50% · 4.625%
HK$16,717
+HK$959/mo
Deposit HK$2.17M · loan HK$3.25M · min. income ≈ HK$31,516/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$121,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,496
−HK$891/mo
▼ 0.25% · 3.875%
HK$16,938
−HK$449/mo
Today · 4.125%
HK$17,387
baseline
▲ 0.50% · 4.625%
HK$18,304
+HK$917/mo
Deposit HK$2.17M · loan HK$3.25M · min. income ≈ HK$34,774/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$121,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,299
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$17,837
−HK$547/mo
Today · 4.125%
HK$18,384
baseline
▲ 0.50% · 4.625%
HK$19,503
+HK$1,119/mo
Deposit HK$1.63M · loan HK$3.79M · min. income ≈ HK$36,768/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$121,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,245
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$19,761
−HK$524/mo
Today · 4.125%
HK$20,285
baseline
▲ 0.50% · 4.625%
HK$21,354
+HK$1,069/mo
Deposit HK$1.63M · loan HK$3.79M · min. income ≈ HK$40,570/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$121,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,242
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$22,934
−HK$703/mo
Today · 4.125%
HK$23,637
baseline
▲ 0.50% · 4.625%
HK$25,075
+HK$1,438/mo
Deposit HK$542K · loan HK$4.88M · min. income ≈ HK$47,274/mo (50% DSR)
Upfront cash ≈ HK$664K (deposit + AVD stamp duty HK$121,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,744
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$25,408
−HK$673/mo
Today · 4.125%
HK$26,081
baseline
▲ 0.50% · 4.625%
HK$27,456
+HK$1,375/mo
Deposit HK$542K · loan HK$4.88M · min. income ≈ HK$52,162/mo (50% DSR)
Upfront cash ≈ HK$664K (deposit + AVD stamp duty HK$121,927 · 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).