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$12,370
−HK$776/mo
▼ 0.25% · 3.875%
HK$12,755
−HK$391/mo
Today · 4.125%
HK$13,146
baseline
▲ 0.50% · 4.625%
HK$13,946
+HK$800/mo
Deposit HK$2.71M · loan HK$2.71M · min. income ≈ HK$26,292/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$122,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,761
−HK$744/mo
▼ 0.25% · 3.875%
HK$14,130
−HK$375/mo
Today · 4.125%
HK$14,505
baseline
▲ 0.50% · 4.625%
HK$15,269
+HK$764/mo
Deposit HK$2.71M · loan HK$2.71M · min. income ≈ HK$29,010/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$122,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,844
−HK$931/mo
▼ 0.25% · 3.875%
HK$15,306
−HK$469/mo
Today · 4.125%
HK$15,775
baseline
▲ 0.50% · 4.625%
HK$16,735
+HK$960/mo
Deposit HK$2.17M · loan HK$3.25M · min. income ≈ HK$31,550/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$122,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,514
−HK$892/mo
▼ 0.25% · 3.875%
HK$16,957
−HK$449/mo
Today · 4.125%
HK$17,406
baseline
▲ 0.50% · 4.625%
HK$18,323
+HK$917/mo
Deposit HK$2.17M · loan HK$3.25M · min. income ≈ HK$34,812/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$122,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,318
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$17,857
−HK$547/mo
Today · 4.125%
HK$18,404
baseline
▲ 0.50% · 4.625%
HK$19,524
+HK$1,120/mo
Deposit HK$1.63M · loan HK$3.80M · min. income ≈ HK$36,808/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$122,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,266
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$19,783
−HK$524/mo
Today · 4.125%
HK$20,307
baseline
▲ 0.50% · 4.625%
HK$21,377
+HK$1,070/mo
Deposit HK$1.63M · loan HK$3.80M · min. income ≈ HK$40,614/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$122,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,266
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$22,958
−HK$704/mo
Today · 4.125%
HK$23,662
baseline
▲ 0.50% · 4.625%
HK$25,102
+HK$1,440/mo
Deposit HK$542K · loan HK$4.88M · min. income ≈ HK$47,324/mo (50% DSR)
Upfront cash ≈ HK$665K (deposit + AVD stamp duty HK$122,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,771
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$25,435
−HK$674/mo
Today · 4.125%
HK$26,109
baseline
▲ 0.50% · 4.625%
HK$27,485
+HK$1,376/mo
Deposit HK$542K · loan HK$4.88M · min. income ≈ HK$52,218/mo (50% DSR)
Upfront cash ≈ HK$665K (deposit + AVD stamp duty HK$122,058 · 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).