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$12,360
−HK$775/mo
▼ 0.25% · 3.875%
HK$12,745
−HK$390/mo
Today · 4.125%
HK$13,135
baseline
▲ 0.50% · 4.625%
HK$13,934
+HK$799/mo
Deposit HK$2.71M · loan HK$2.71M · min. income ≈ HK$26,270/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$121,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,750
−HK$743/mo
▼ 0.25% · 3.875%
HK$14,119
−HK$374/mo
Today · 4.125%
HK$14,493
baseline
▲ 0.50% · 4.625%
HK$15,257
+HK$764/mo
Deposit HK$2.71M · loan HK$2.71M · min. income ≈ HK$28,986/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$121,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,832
−HK$930/mo
▼ 0.25% · 3.875%
HK$15,293
−HK$469/mo
Today · 4.125%
HK$15,762
baseline
▲ 0.50% · 4.625%
HK$16,721
+HK$959/mo
Deposit HK$2.17M · loan HK$3.25M · min. income ≈ HK$31,524/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$121,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,501
−HK$891/mo
▼ 0.25% · 3.875%
HK$16,943
−HK$449/mo
Today · 4.125%
HK$17,392
baseline
▲ 0.50% · 4.625%
HK$18,309
+HK$917/mo
Deposit HK$2.17M · loan HK$3.25M · min. income ≈ HK$34,784/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$121,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,304
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$17,842
−HK$547/mo
Today · 4.125%
HK$18,389
baseline
▲ 0.50% · 4.625%
HK$19,508
+HK$1,119/mo
Deposit HK$1.63M · loan HK$3.79M · min. income ≈ HK$36,778/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$121,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,251
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$19,767
−HK$524/mo
Today · 4.125%
HK$20,291
baseline
▲ 0.50% · 4.625%
HK$21,360
+HK$1,069/mo
Deposit HK$1.63M · loan HK$3.79M · min. income ≈ HK$40,582/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$121,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,248
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$22,940
−HK$703/mo
Today · 4.125%
HK$23,643
baseline
▲ 0.50% · 4.625%
HK$25,082
+HK$1,439/mo
Deposit HK$542K · loan HK$4.88M · min. income ≈ HK$47,286/mo (50% DSR)
Upfront cash ≈ HK$664K (deposit + AVD stamp duty HK$121,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,751
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$25,415
−HK$673/mo
Today · 4.125%
HK$26,088
baseline
▲ 0.50% · 4.625%
HK$27,463
+HK$1,375/mo
Deposit HK$542K · loan HK$4.88M · min. income ≈ HK$52,176/mo (50% DSR)
Upfront cash ≈ HK$664K (deposit + AVD stamp duty HK$121,961 · 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).