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$12,341
−HK$774/mo
▼ 0.25% · 3.875%
HK$12,725
−HK$390/mo
Today · 4.125%
HK$13,115
baseline
▲ 0.50% · 4.625%
HK$13,913
+HK$798/mo
Deposit HK$2.71M · loan HK$2.71M · min. income ≈ HK$26,230/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$121,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,729
−HK$742/mo
▼ 0.25% · 3.875%
HK$14,098
−HK$373/mo
Today · 4.125%
HK$14,471
baseline
▲ 0.50% · 4.625%
HK$15,234
+HK$763/mo
Deposit HK$2.71M · loan HK$2.71M · min. income ≈ HK$28,942/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$121,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,809
−HK$929/mo
▼ 0.25% · 3.875%
HK$15,270
−HK$468/mo
Today · 4.125%
HK$15,738
baseline
▲ 0.50% · 4.625%
HK$16,696
+HK$958/mo
Deposit HK$2.16M · loan HK$3.25M · min. income ≈ HK$31,476/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$121,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,475
−HK$890/mo
▼ 0.25% · 3.875%
HK$16,917
−HK$448/mo
Today · 4.125%
HK$17,365
baseline
▲ 0.50% · 4.625%
HK$18,281
+HK$916/mo
Deposit HK$2.16M · loan HK$3.25M · min. income ≈ HK$34,730/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$121,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,278
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$17,815
−HK$546/mo
Today · 4.125%
HK$18,361
baseline
▲ 0.50% · 4.625%
HK$19,478
+HK$1,117/mo
Deposit HK$1.62M · loan HK$3.79M · min. income ≈ HK$36,722/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$121,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,221
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$19,737
−HK$523/mo
Today · 4.125%
HK$20,260
baseline
▲ 0.50% · 4.625%
HK$21,328
+HK$1,068/mo
Deposit HK$1.62M · loan HK$3.79M · min. income ≈ HK$40,520/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$121,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,214
−HK$1,393/mo
▼ 0.25% · 3.875%
HK$22,905
−HK$702/mo
Today · 4.125%
HK$23,607
baseline
▲ 0.50% · 4.625%
HK$25,044
+HK$1,437/mo
Deposit HK$541K · loan HK$4.87M · min. income ≈ HK$47,214/mo (50% DSR)
Upfront cash ≈ HK$663K (deposit + AVD stamp duty HK$121,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,713
−HK$1,335/mo
▼ 0.25% · 3.875%
HK$25,376
−HK$672/mo
Today · 4.125%
HK$26,048
baseline
▲ 0.50% · 4.625%
HK$27,421
+HK$1,373/mo
Deposit HK$541K · loan HK$4.87M · min. income ≈ HK$52,096/mo (50% DSR)
Upfront cash ≈ HK$663K (deposit + AVD stamp duty HK$121,774 · 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).