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$12,388
−HK$777/mo
▼ 0.25% · 3.875%
HK$12,774
−HK$391/mo
Today · 4.125%
HK$13,165
baseline
▲ 0.50% · 4.625%
HK$13,966
+HK$801/mo
Deposit HK$2.72M · loan HK$2.72M · min. income ≈ HK$26,330/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$122,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,782
−HK$745/mo
▼ 0.25% · 3.875%
HK$14,152
−HK$375/mo
Today · 4.125%
HK$14,527
baseline
▲ 0.50% · 4.625%
HK$15,292
+HK$765/mo
Deposit HK$2.72M · loan HK$2.72M · min. income ≈ HK$29,054/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$122,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,866
−HK$932/mo
▼ 0.25% · 3.875%
HK$15,328
−HK$470/mo
Today · 4.125%
HK$15,798
baseline
▲ 0.50% · 4.625%
HK$16,760
+HK$962/mo
Deposit HK$2.17M · loan HK$3.26M · min. income ≈ HK$31,596/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,538
−HK$894/mo
▼ 0.25% · 3.875%
HK$16,982
−HK$450/mo
Today · 4.125%
HK$17,432
baseline
▲ 0.50% · 4.625%
HK$18,351
+HK$919/mo
Deposit HK$2.17M · loan HK$3.26M · min. income ≈ HK$34,864/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,344
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$17,883
−HK$548/mo
Today · 4.125%
HK$18,431
baseline
▲ 0.50% · 4.625%
HK$19,553
+HK$1,122/mo
Deposit HK$1.63M · loan HK$3.80M · min. income ≈ HK$36,862/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$122,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,295
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$19,812
−HK$525/mo
Today · 4.125%
HK$20,337
baseline
▲ 0.50% · 4.625%
HK$21,409
+HK$1,072/mo
Deposit HK$1.63M · loan HK$3.80M · min. income ≈ HK$40,674/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$122,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,299
−HK$1,398/mo
▼ 0.25% · 3.875%
HK$22,993
−HK$704/mo
Today · 4.125%
HK$23,697
baseline
▲ 0.50% · 4.625%
HK$25,139
+HK$1,442/mo
Deposit HK$543K · loan HK$4.89M · min. income ≈ HK$47,394/mo (50% DSR)
Upfront cash ≈ HK$666K (deposit + AVD stamp duty HK$122,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,807
−HK$1,341/mo
▼ 0.25% · 3.875%
HK$25,473
−HK$675/mo
Today · 4.125%
HK$26,148
baseline
▲ 0.50% · 4.625%
HK$27,526
+HK$1,378/mo
Deposit HK$543K · loan HK$4.89M · min. income ≈ HK$52,296/mo (50% DSR)
Upfront cash ≈ HK$666K (deposit + AVD stamp duty HK$122,240 · 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).