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$12,371
−HK$775/mo
▼ 0.25% · 3.875%
HK$12,756
−HK$390/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$122,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,762
−HK$744/mo
▼ 0.25% · 3.875%
HK$14,131
−HK$375/mo
Today · 4.125%
HK$14,506
baseline
▲ 0.50% · 4.625%
HK$15,270
+HK$764/mo
Deposit HK$2.71M · loan HK$2.71M · min. income ≈ HK$29,012/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$122,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,845
−HK$931/mo
▼ 0.25% · 3.875%
HK$15,307
−HK$469/mo
Today · 4.125%
HK$15,776
baseline
▲ 0.50% · 4.625%
HK$16,736
+HK$960/mo
Deposit HK$2.17M · loan HK$3.26M · min. income ≈ HK$31,552/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$122,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,515
−HK$892/mo
▼ 0.25% · 3.875%
HK$16,958
−HK$449/mo
Today · 4.125%
HK$17,407
baseline
▲ 0.50% · 4.625%
HK$18,325
+HK$918/mo
Deposit HK$2.17M · loan HK$3.26M · min. income ≈ HK$34,814/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$122,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,319
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$17,858
−HK$547/mo
Today · 4.125%
HK$18,405
baseline
▲ 0.50% · 4.625%
HK$19,525
+HK$1,120/mo
Deposit HK$1.63M · loan HK$3.80M · min. income ≈ HK$36,810/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$122,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,267
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$19,784
−HK$524/mo
Today · 4.125%
HK$20,308
baseline
▲ 0.50% · 4.625%
HK$21,379
+HK$1,071/mo
Deposit HK$1.63M · loan HK$3.80M · min. income ≈ HK$40,616/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$122,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,267
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$22,960
−HK$704/mo
Today · 4.125%
HK$23,664
baseline
▲ 0.50% · 4.625%
HK$25,104
+HK$1,440/mo
Deposit HK$543K · loan HK$4.88M · min. income ≈ HK$47,328/mo (50% DSR)
Upfront cash ≈ HK$665K (deposit + AVD stamp duty HK$122,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,772
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$25,437
−HK$674/mo
Today · 4.125%
HK$26,111
baseline
▲ 0.50% · 4.625%
HK$27,487
+HK$1,376/mo
Deposit HK$543K · loan HK$4.88M · min. income ≈ HK$52,222/mo (50% DSR)
Upfront cash ≈ HK$665K (deposit + AVD stamp duty HK$122,066 · 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).