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$12,374
−HK$776/mo
▼ 0.25% · 3.875%
HK$12,759
−HK$391/mo
Today · 4.125%
HK$13,150
baseline
▲ 0.50% · 4.625%
HK$13,950
+HK$800/mo
Deposit HK$2.71M · loan HK$2.71M · min. income ≈ HK$26,300/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$122,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,766
−HK$743/mo
▼ 0.25% · 3.875%
HK$14,135
−HK$374/mo
Today · 4.125%
HK$14,509
baseline
▲ 0.50% · 4.625%
HK$15,274
+HK$765/mo
Deposit HK$2.71M · loan HK$2.71M · min. income ≈ HK$29,018/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$122,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,849
−HK$931/mo
▼ 0.25% · 3.875%
HK$15,310
−HK$470/mo
Today · 4.125%
HK$15,780
baseline
▲ 0.50% · 4.625%
HK$16,740
+HK$960/mo
Deposit HK$2.17M · loan HK$3.26M · min. income ≈ HK$31,560/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$122,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,519
−HK$892/mo
▼ 0.25% · 3.875%
HK$16,962
−HK$449/mo
Today · 4.125%
HK$17,411
baseline
▲ 0.50% · 4.625%
HK$18,329
+HK$918/mo
Deposit HK$2.17M · loan HK$3.26M · min. income ≈ HK$34,822/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$122,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,323
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$17,862
−HK$548/mo
Today · 4.125%
HK$18,410
baseline
▲ 0.50% · 4.625%
HK$19,530
+HK$1,120/mo
Deposit HK$1.63M · loan HK$3.80M · min. income ≈ HK$36,820/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$122,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,272
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$19,789
−HK$524/mo
Today · 4.125%
HK$20,313
baseline
▲ 0.50% · 4.625%
HK$21,384
+HK$1,071/mo
Deposit HK$1.63M · loan HK$3.80M · min. income ≈ HK$40,626/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$122,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,273
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$22,966
−HK$704/mo
Today · 4.125%
HK$23,670
baseline
▲ 0.50% · 4.625%
HK$25,110
+HK$1,440/mo
Deposit HK$543K · loan HK$4.88M · min. income ≈ HK$47,340/mo (50% DSR)
Upfront cash ≈ HK$665K (deposit + AVD stamp duty HK$122,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,778
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$25,443
−HK$674/mo
Today · 4.125%
HK$26,117
baseline
▲ 0.50% · 4.625%
HK$27,494
+HK$1,377/mo
Deposit HK$543K · loan HK$4.88M · min. income ≈ HK$52,234/mo (50% DSR)
Upfront cash ≈ HK$665K (deposit + AVD stamp duty HK$122,097 · 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).