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$12,378
−HK$776/mo
▼ 0.25% · 3.875%
HK$12,763
−HK$391/mo
Today · 4.125%
HK$13,154
baseline
▲ 0.50% · 4.625%
HK$13,955
+HK$801/mo
Deposit HK$2.71M · loan HK$2.71M · min. income ≈ HK$26,308/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$122,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,770
−HK$744/mo
▼ 0.25% · 3.875%
HK$14,140
−HK$374/mo
Today · 4.125%
HK$14,514
baseline
▲ 0.50% · 4.625%
HK$15,279
+HK$765/mo
Deposit HK$2.71M · loan HK$2.71M · min. income ≈ HK$29,028/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$122,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,854
−HK$931/mo
▼ 0.25% · 3.875%
HK$15,316
−HK$469/mo
Today · 4.125%
HK$15,785
baseline
▲ 0.50% · 4.625%
HK$16,745
+HK$960/mo
Deposit HK$2.17M · loan HK$3.26M · min. income ≈ HK$31,570/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$122,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,524
−HK$893/mo
▼ 0.25% · 3.875%
HK$16,968
−HK$449/mo
Today · 4.125%
HK$17,417
baseline
▲ 0.50% · 4.625%
HK$18,335
+HK$918/mo
Deposit HK$2.17M · loan HK$3.26M · min. income ≈ HK$34,834/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$122,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,329
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$17,868
−HK$548/mo
Today · 4.125%
HK$18,416
baseline
▲ 0.50% · 4.625%
HK$19,536
+HK$1,120/mo
Deposit HK$1.63M · loan HK$3.80M · min. income ≈ HK$36,832/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$122,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,278
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$19,796
−HK$524/mo
Today · 4.125%
HK$20,320
baseline
▲ 0.50% · 4.625%
HK$21,391
+HK$1,071/mo
Deposit HK$1.63M · loan HK$3.80M · min. income ≈ HK$40,640/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$122,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,280
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$22,973
−HK$704/mo
Today · 4.125%
HK$23,677
baseline
▲ 0.50% · 4.625%
HK$25,118
+HK$1,441/mo
Deposit HK$543K · loan HK$4.89M · min. income ≈ HK$47,354/mo (50% DSR)
Upfront cash ≈ HK$665K (deposit + AVD stamp duty HK$122,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,787
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$25,451
−HK$675/mo
Today · 4.125%
HK$26,126
baseline
▲ 0.50% · 4.625%
HK$27,503
+HK$1,377/mo
Deposit HK$543K · loan HK$4.89M · min. income ≈ HK$52,252/mo (50% DSR)
Upfront cash ≈ HK$665K (deposit + AVD stamp duty HK$122,137 · 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).