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$12,406
−HK$778/mo
▼ 0.25% · 3.875%
HK$12,791
−HK$393/mo
Today · 4.125%
HK$13,184
baseline
▲ 0.50% · 4.625%
HK$13,986
+HK$802/mo
Deposit HK$2.72M · loan HK$2.72M · min. income ≈ HK$26,368/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$122,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,801
−HK$746/mo
▼ 0.25% · 3.875%
HK$14,171
−HK$376/mo
Today · 4.125%
HK$14,547
baseline
▲ 0.50% · 4.625%
HK$15,313
+HK$766/mo
Deposit HK$2.72M · loan HK$2.72M · min. income ≈ HK$29,094/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$122,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,887
−HK$933/mo
▼ 0.25% · 3.875%
HK$15,350
−HK$470/mo
Today · 4.125%
HK$15,820
baseline
▲ 0.50% · 4.625%
HK$16,783
+HK$963/mo
Deposit HK$2.18M · loan HK$3.26M · min. income ≈ HK$31,640/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,561
−HK$895/mo
▼ 0.25% · 3.875%
HK$17,005
−HK$451/mo
Today · 4.125%
HK$17,456
baseline
▲ 0.50% · 4.625%
HK$18,376
+HK$920/mo
Deposit HK$2.18M · loan HK$3.26M · min. income ≈ HK$34,912/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,368
−HK$1,089/mo
▼ 0.25% · 3.875%
HK$17,908
−HK$549/mo
Today · 4.125%
HK$18,457
baseline
▲ 0.50% · 4.625%
HK$19,580
+HK$1,123/mo
Deposit HK$1.63M · loan HK$3.81M · min. income ≈ HK$36,914/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$122,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,321
−HK$1,044/mo
▼ 0.25% · 3.875%
HK$19,840
−HK$525/mo
Today · 4.125%
HK$20,365
baseline
▲ 0.50% · 4.625%
HK$21,439
+HK$1,074/mo
Deposit HK$1.63M · loan HK$3.81M · min. income ≈ HK$40,730/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$122,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,330
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$23,025
−HK$705/mo
Today · 4.125%
HK$23,730
baseline
▲ 0.50% · 4.625%
HK$25,174
+HK$1,444/mo
Deposit HK$544K · loan HK$4.90M · min. income ≈ HK$47,460/mo (50% DSR)
Upfront cash ≈ HK$666K (deposit + AVD stamp duty HK$122,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,842
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$25,508
−HK$676/mo
Today · 4.125%
HK$26,184
baseline
▲ 0.50% · 4.625%
HK$27,564
+HK$1,380/mo
Deposit HK$544K · loan HK$4.90M · min. income ≈ HK$52,368/mo (50% DSR)
Upfront cash ≈ HK$666K (deposit + AVD stamp duty HK$122,410 · 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).