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$12,410
−HK$778/mo
▼ 0.25% · 3.875%
HK$12,796
−HK$392/mo
Today · 4.125%
HK$13,188
baseline
▲ 0.50% · 4.625%
HK$13,990
+HK$802/mo
Deposit HK$2.72M · loan HK$2.72M · min. income ≈ HK$26,376/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$122,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,805
−HK$746/mo
▼ 0.25% · 3.875%
HK$14,176
−HK$375/mo
Today · 4.125%
HK$14,551
baseline
▲ 0.50% · 4.625%
HK$15,318
+HK$767/mo
Deposit HK$2.72M · loan HK$2.72M · min. income ≈ HK$29,102/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$122,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,891
−HK$934/mo
▼ 0.25% · 3.875%
HK$15,355
−HK$470/mo
Today · 4.125%
HK$15,825
baseline
▲ 0.50% · 4.625%
HK$16,788
+HK$963/mo
Deposit HK$2.18M · loan HK$3.27M · min. income ≈ HK$31,650/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,567
−HK$895/mo
▼ 0.25% · 3.875%
HK$17,011
−HK$451/mo
Today · 4.125%
HK$17,462
baseline
▲ 0.50% · 4.625%
HK$18,382
+HK$920/mo
Deposit HK$2.18M · loan HK$3.27M · min. income ≈ HK$34,924/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,373
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$17,914
−HK$549/mo
Today · 4.125%
HK$18,463
baseline
▲ 0.50% · 4.625%
HK$19,586
+HK$1,123/mo
Deposit HK$1.63M · loan HK$3.81M · min. income ≈ HK$36,926/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,328
−HK$1,044/mo
▼ 0.25% · 3.875%
HK$19,846
−HK$526/mo
Today · 4.125%
HK$20,372
baseline
▲ 0.50% · 4.625%
HK$21,446
+HK$1,074/mo
Deposit HK$1.63M · loan HK$3.81M · min. income ≈ HK$40,744/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,337
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$23,032
−HK$706/mo
Today · 4.125%
HK$23,738
baseline
▲ 0.50% · 4.625%
HK$25,182
+HK$1,444/mo
Deposit HK$544K · loan HK$4.90M · min. income ≈ HK$47,476/mo (50% DSR)
Upfront cash ≈ HK$667K (deposit + AVD stamp duty HK$122,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,850
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$25,516
−HK$676/mo
Today · 4.125%
HK$26,192
baseline
▲ 0.50% · 4.625%
HK$27,573
+HK$1,381/mo
Deposit HK$544K · loan HK$4.90M · min. income ≈ HK$52,384/mo (50% DSR)
Upfront cash ≈ HK$667K (deposit + AVD stamp duty HK$122,449 · 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).