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$12,373
−HK$776/mo
▼ 0.25% · 3.875%
HK$12,758
−HK$391/mo
Today · 4.125%
HK$13,149
baseline
▲ 0.50% · 4.625%
HK$13,949
+HK$800/mo
Deposit HK$2.71M · loan HK$2.71M · min. income ≈ HK$26,298/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$122,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,765
−HK$743/mo
▼ 0.25% · 3.875%
HK$14,134
−HK$374/mo
Today · 4.125%
HK$14,508
baseline
▲ 0.50% · 4.625%
HK$15,273
+HK$765/mo
Deposit HK$2.71M · loan HK$2.71M · min. income ≈ HK$29,016/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$122,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,847
−HK$932/mo
▼ 0.25% · 3.875%
HK$15,309
−HK$470/mo
Today · 4.125%
HK$15,779
baseline
▲ 0.50% · 4.625%
HK$16,739
+HK$960/mo
Deposit HK$2.17M · loan HK$3.26M · min. income ≈ HK$31,558/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$122,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,518
−HK$892/mo
▼ 0.25% · 3.875%
HK$16,961
−HK$449/mo
Today · 4.125%
HK$17,410
baseline
▲ 0.50% · 4.625%
HK$18,328
+HK$918/mo
Deposit HK$2.17M · loan HK$3.26M · min. income ≈ HK$34,820/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$122,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,322
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$17,861
−HK$547/mo
Today · 4.125%
HK$18,408
baseline
▲ 0.50% · 4.625%
HK$19,528
+HK$1,120/mo
Deposit HK$1.63M · loan HK$3.80M · min. income ≈ HK$36,816/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$122,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,271
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$19,787
−HK$525/mo
Today · 4.125%
HK$20,312
baseline
▲ 0.50% · 4.625%
HK$21,382
+HK$1,070/mo
Deposit HK$1.63M · loan HK$3.80M · min. income ≈ HK$40,624/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$122,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,271
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$22,964
−HK$704/mo
Today · 4.125%
HK$23,668
baseline
▲ 0.50% · 4.625%
HK$25,108
+HK$1,440/mo
Deposit HK$543K · loan HK$4.88M · min. income ≈ HK$47,336/mo (50% DSR)
Upfront cash ≈ HK$665K (deposit + AVD stamp duty HK$122,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,777
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$25,441
−HK$674/mo
Today · 4.125%
HK$26,115
baseline
▲ 0.50% · 4.625%
HK$27,492
+HK$1,377/mo
Deposit HK$543K · loan HK$4.88M · min. income ≈ HK$52,230/mo (50% DSR)
Upfront cash ≈ HK$665K (deposit + AVD stamp duty HK$122,088 · 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).