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$12,372
−HK$776/mo
▼ 0.25% · 3.875%
HK$12,757
−HK$391/mo
Today · 4.125%
HK$13,148
baseline
▲ 0.50% · 4.625%
HK$13,948
+HK$800/mo
Deposit HK$2.71M · loan HK$2.71M · min. income ≈ HK$26,296/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$122,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,764
−HK$743/mo
▼ 0.25% · 3.875%
HK$14,133
−HK$374/mo
Today · 4.125%
HK$14,507
baseline
▲ 0.50% · 4.625%
HK$15,272
+HK$765/mo
Deposit HK$2.71M · loan HK$2.71M · min. income ≈ HK$29,014/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$122,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,846
−HK$931/mo
▼ 0.25% · 3.875%
HK$15,308
−HK$469/mo
Today · 4.125%
HK$15,777
baseline
▲ 0.50% · 4.625%
HK$16,737
+HK$960/mo
Deposit HK$2.17M · loan HK$3.26M · min. income ≈ HK$31,554/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$122,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,516
−HK$893/mo
▼ 0.25% · 3.875%
HK$16,959
−HK$450/mo
Today · 4.125%
HK$17,409
baseline
▲ 0.50% · 4.625%
HK$18,326
+HK$917/mo
Deposit HK$2.17M · loan HK$3.26M · min. income ≈ HK$34,818/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$122,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,321
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$17,859
−HK$548/mo
Today · 4.125%
HK$18,407
baseline
▲ 0.50% · 4.625%
HK$19,527
+HK$1,120/mo
Deposit HK$1.63M · loan HK$3.80M · min. income ≈ HK$36,814/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$122,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,269
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$19,786
−HK$524/mo
Today · 4.125%
HK$20,310
baseline
▲ 0.50% · 4.625%
HK$21,381
+HK$1,071/mo
Deposit HK$1.63M · loan HK$3.80M · min. income ≈ HK$40,620/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$122,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,269
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$22,962
−HK$704/mo
Today · 4.125%
HK$23,666
baseline
▲ 0.50% · 4.625%
HK$25,106
+HK$1,440/mo
Deposit HK$543K · loan HK$4.88M · min. income ≈ HK$47,332/mo (50% DSR)
Upfront cash ≈ HK$665K (deposit + AVD stamp duty HK$122,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,774
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$25,439
−HK$674/mo
Today · 4.125%
HK$26,113
baseline
▲ 0.50% · 4.625%
HK$27,489
+HK$1,376/mo
Deposit HK$543K · loan HK$4.88M · min. income ≈ HK$52,226/mo (50% DSR)
Upfront cash ≈ HK$665K (deposit + AVD stamp duty HK$122,078 · 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).