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$12,368
−HK$775/mo
▼ 0.25% · 3.875%
HK$12,753
−HK$390/mo
Today · 4.125%
HK$13,143
baseline
▲ 0.50% · 4.625%
HK$13,943
+HK$800/mo
Deposit HK$2.71M · loan HK$2.71M · min. income ≈ HK$26,286/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$122,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,759
−HK$744/mo
▼ 0.25% · 3.875%
HK$14,128
−HK$375/mo
Today · 4.125%
HK$14,503
baseline
▲ 0.50% · 4.625%
HK$15,267
+HK$764/mo
Deposit HK$2.71M · loan HK$2.71M · min. income ≈ HK$29,006/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$122,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,841
−HK$931/mo
▼ 0.25% · 3.875%
HK$15,303
−HK$469/mo
Today · 4.125%
HK$15,772
baseline
▲ 0.50% · 4.625%
HK$16,732
+HK$960/mo
Deposit HK$2.17M · loan HK$3.25M · min. income ≈ HK$31,544/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$122,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,511
−HK$892/mo
▼ 0.25% · 3.875%
HK$16,954
−HK$449/mo
Today · 4.125%
HK$17,403
baseline
▲ 0.50% · 4.625%
HK$18,320
+HK$917/mo
Deposit HK$2.17M · loan HK$3.25M · min. income ≈ HK$34,806/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$122,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,315
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$17,854
−HK$547/mo
Today · 4.125%
HK$18,401
baseline
▲ 0.50% · 4.625%
HK$19,521
+HK$1,120/mo
Deposit HK$1.63M · loan HK$3.80M · min. income ≈ HK$36,802/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$122,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,263
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$19,779
−HK$525/mo
Today · 4.125%
HK$20,304
baseline
▲ 0.50% · 4.625%
HK$21,374
+HK$1,070/mo
Deposit HK$1.63M · loan HK$3.80M · min. income ≈ HK$40,608/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$122,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,262
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$22,955
−HK$703/mo
Today · 4.125%
HK$23,658
baseline
▲ 0.50% · 4.625%
HK$25,098
+HK$1,440/mo
Deposit HK$542K · loan HK$4.88M · min. income ≈ HK$47,316/mo (50% DSR)
Upfront cash ≈ HK$664K (deposit + AVD stamp duty HK$122,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,767
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$25,431
−HK$674/mo
Today · 4.125%
HK$26,105
baseline
▲ 0.50% · 4.625%
HK$27,481
+HK$1,376/mo
Deposit HK$542K · loan HK$4.88M · min. income ≈ HK$52,210/mo (50% DSR)
Upfront cash ≈ HK$664K (deposit + AVD stamp duty HK$122,039 · 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).