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$12,359
−HK$775/mo
▼ 0.25% · 3.875%
HK$12,743
−HK$391/mo
Today · 4.125%
HK$13,134
baseline
▲ 0.50% · 4.625%
HK$13,933
+HK$799/mo
Deposit HK$2.71M · loan HK$2.71M · min. income ≈ HK$26,268/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$121,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,749
−HK$743/mo
▼ 0.25% · 3.875%
HK$14,118
−HK$374/mo
Today · 4.125%
HK$14,492
baseline
▲ 0.50% · 4.625%
HK$15,256
+HK$764/mo
Deposit HK$2.71M · loan HK$2.71M · min. income ≈ HK$28,984/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$121,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,831
−HK$930/mo
▼ 0.25% · 3.875%
HK$15,292
−HK$469/mo
Today · 4.125%
HK$15,761
baseline
▲ 0.50% · 4.625%
HK$16,720
+HK$959/mo
Deposit HK$2.17M · loan HK$3.25M · min. income ≈ HK$31,522/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$121,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,499
−HK$892/mo
▼ 0.25% · 3.875%
HK$16,942
−HK$449/mo
Today · 4.125%
HK$17,391
baseline
▲ 0.50% · 4.625%
HK$18,307
+HK$916/mo
Deposit HK$2.17M · loan HK$3.25M · min. income ≈ HK$34,782/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$121,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,303
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$17,841
−HK$547/mo
Today · 4.125%
HK$18,388
baseline
▲ 0.50% · 4.625%
HK$19,507
+HK$1,119/mo
Deposit HK$1.63M · loan HK$3.79M · min. income ≈ HK$36,776/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$121,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,249
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$19,765
−HK$524/mo
Today · 4.125%
HK$20,289
baseline
▲ 0.50% · 4.625%
HK$21,358
+HK$1,069/mo
Deposit HK$1.63M · loan HK$3.79M · min. income ≈ HK$40,578/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$121,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,246
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$22,938
−HK$703/mo
Today · 4.125%
HK$23,641
baseline
▲ 0.50% · 4.625%
HK$25,080
+HK$1,439/mo
Deposit HK$542K · loan HK$4.88M · min. income ≈ HK$47,282/mo (50% DSR)
Upfront cash ≈ HK$664K (deposit + AVD stamp duty HK$121,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,749
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$25,413
−HK$673/mo
Today · 4.125%
HK$26,086
baseline
▲ 0.50% · 4.625%
HK$27,461
+HK$1,375/mo
Deposit HK$542K · loan HK$4.88M · min. income ≈ HK$52,172/mo (50% DSR)
Upfront cash ≈ HK$664K (deposit + AVD stamp duty HK$121,951 · 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).