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$12,416
−HK$779/mo
▼ 0.25% · 3.875%
HK$12,802
−HK$393/mo
Today · 4.125%
HK$13,195
baseline
▲ 0.50% · 4.625%
HK$13,997
+HK$802/mo
Deposit HK$2.72M · loan HK$2.72M · min. income ≈ HK$26,390/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$122,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,813
−HK$746/mo
▼ 0.25% · 3.875%
HK$14,183
−HK$376/mo
Today · 4.125%
HK$14,559
baseline
▲ 0.50% · 4.625%
HK$15,326
+HK$767/mo
Deposit HK$2.72M · loan HK$2.72M · min. income ≈ HK$29,118/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$122,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,899
−HK$934/mo
▼ 0.25% · 3.875%
HK$15,363
−HK$470/mo
Today · 4.125%
HK$15,833
baseline
▲ 0.50% · 4.625%
HK$16,797
+HK$964/mo
Deposit HK$2.18M · loan HK$3.27M · min. income ≈ HK$31,666/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,575
−HK$896/mo
▼ 0.25% · 3.875%
HK$17,020
−HK$451/mo
Today · 4.125%
HK$17,471
baseline
▲ 0.50% · 4.625%
HK$18,392
+HK$921/mo
Deposit HK$2.18M · loan HK$3.27M · min. income ≈ HK$34,942/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,382
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$17,923
−HK$549/mo
Today · 4.125%
HK$18,472
baseline
▲ 0.50% · 4.625%
HK$19,596
+HK$1,124/mo
Deposit HK$1.63M · loan HK$3.81M · min. income ≈ HK$36,944/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,338
−HK$1,044/mo
▼ 0.25% · 3.875%
HK$19,856
−HK$526/mo
Today · 4.125%
HK$20,382
baseline
▲ 0.50% · 4.625%
HK$21,457
+HK$1,075/mo
Deposit HK$1.63M · loan HK$3.81M · min. income ≈ HK$40,764/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,349
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$23,044
−HK$706/mo
Today · 4.125%
HK$23,750
baseline
▲ 0.50% · 4.625%
HK$25,195
+HK$1,445/mo
Deposit HK$544K · loan HK$4.90M · min. income ≈ HK$47,500/mo (50% DSR)
Upfront cash ≈ HK$667K (deposit + AVD stamp duty HK$122,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,863
−HK$1,343/mo
▼ 0.25% · 3.875%
HK$25,530
−HK$676/mo
Today · 4.125%
HK$26,206
baseline
▲ 0.50% · 4.625%
HK$27,587
+HK$1,381/mo
Deposit HK$544K · loan HK$4.90M · min. income ≈ HK$52,412/mo (50% DSR)
Upfront cash ≈ HK$667K (deposit + AVD stamp duty HK$122,513 · 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).