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$12,355
−HK$775/mo
▼ 0.25% · 3.875%
HK$12,740
−HK$390/mo
Today · 4.125%
HK$13,130
baseline
▲ 0.50% · 4.625%
HK$13,929
+HK$799/mo
Deposit HK$2.71M · loan HK$2.71M · min. income ≈ HK$26,260/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$121,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,745
−HK$743/mo
▼ 0.25% · 3.875%
HK$14,114
−HK$374/mo
Today · 4.125%
HK$14,488
baseline
▲ 0.50% · 4.625%
HK$15,251
+HK$763/mo
Deposit HK$2.71M · loan HK$2.71M · min. income ≈ HK$28,976/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$121,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,826
−HK$930/mo
▼ 0.25% · 3.875%
HK$15,288
−HK$468/mo
Today · 4.125%
HK$15,756
baseline
▲ 0.50% · 4.625%
HK$16,715
+HK$959/mo
Deposit HK$2.17M · loan HK$3.25M · min. income ≈ HK$31,512/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$121,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,494
−HK$891/mo
▼ 0.25% · 3.875%
HK$16,937
−HK$448/mo
Today · 4.125%
HK$17,385
baseline
▲ 0.50% · 4.625%
HK$18,302
+HK$917/mo
Deposit HK$2.17M · loan HK$3.25M · min. income ≈ HK$34,770/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$121,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,298
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$17,836
−HK$546/mo
Today · 4.125%
HK$18,382
baseline
▲ 0.50% · 4.625%
HK$19,501
+HK$1,119/mo
Deposit HK$1.63M · loan HK$3.79M · min. income ≈ HK$36,764/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$121,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,243
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$19,759
−HK$524/mo
Today · 4.125%
HK$20,283
baseline
▲ 0.50% · 4.625%
HK$21,352
+HK$1,069/mo
Deposit HK$1.63M · loan HK$3.79M · min. income ≈ HK$40,566/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$121,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,240
−HK$1,394/mo
▼ 0.25% · 3.875%
HK$22,931
−HK$703/mo
Today · 4.125%
HK$23,634
baseline
▲ 0.50% · 4.625%
HK$25,072
+HK$1,438/mo
Deposit HK$542K · loan HK$4.88M · min. income ≈ HK$47,268/mo (50% DSR)
Upfront cash ≈ HK$664K (deposit + AVD stamp duty HK$121,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,741
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$25,405
−HK$673/mo
Today · 4.125%
HK$26,078
baseline
▲ 0.50% · 4.625%
HK$27,453
+HK$1,375/mo
Deposit HK$542K · loan HK$4.88M · min. income ≈ HK$52,156/mo (50% DSR)
Upfront cash ≈ HK$664K (deposit + AVD stamp duty HK$121,915 · 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).