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$12,425
−HK$779/mo
▼ 0.25% · 3.875%
HK$12,811
−HK$393/mo
Today · 4.125%
HK$13,204
baseline
▲ 0.50% · 4.625%
HK$14,007
+HK$803/mo
Deposit HK$2.72M · loan HK$2.72M · min. income ≈ HK$26,408/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$122,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,822
−HK$747/mo
▼ 0.25% · 3.875%
HK$14,193
−HK$376/mo
Today · 4.125%
HK$14,569
baseline
▲ 0.50% · 4.625%
HK$15,337
+HK$768/mo
Deposit HK$2.72M · loan HK$2.72M · min. income ≈ HK$29,138/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$122,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,910
−HK$935/mo
▼ 0.25% · 3.875%
HK$15,373
−HK$472/mo
Today · 4.125%
HK$15,845
baseline
▲ 0.50% · 4.625%
HK$16,809
+HK$964/mo
Deposit HK$2.18M · loan HK$3.27M · min. income ≈ HK$31,690/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,587
−HK$896/mo
▼ 0.25% · 3.875%
HK$17,032
−HK$451/mo
Today · 4.125%
HK$17,483
baseline
▲ 0.50% · 4.625%
HK$18,405
+HK$922/mo
Deposit HK$2.18M · loan HK$3.27M · min. income ≈ HK$34,966/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,395
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$17,936
−HK$549/mo
Today · 4.125%
HK$18,485
baseline
▲ 0.50% · 4.625%
HK$19,610
+HK$1,125/mo
Deposit HK$1.63M · loan HK$3.81M · min. income ≈ HK$36,970/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,351
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$19,870
−HK$527/mo
Today · 4.125%
HK$20,397
baseline
▲ 0.50% · 4.625%
HK$21,472
+HK$1,075/mo
Deposit HK$1.63M · loan HK$3.81M · min. income ≈ HK$40,794/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,364
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$23,060
−HK$707/mo
Today · 4.125%
HK$23,767
baseline
▲ 0.50% · 4.625%
HK$25,213
+HK$1,446/mo
Deposit HK$545K · loan HK$4.90M · min. income ≈ HK$47,534/mo (50% DSR)
Upfront cash ≈ HK$667K (deposit + AVD stamp duty HK$122,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,880
−HK$1,344/mo
▼ 0.25% · 3.875%
HK$25,548
−HK$676/mo
Today · 4.125%
HK$26,224
baseline
▲ 0.50% · 4.625%
HK$27,607
+HK$1,383/mo
Deposit HK$545K · loan HK$4.90M · min. income ≈ HK$52,448/mo (50% DSR)
Upfront cash ≈ HK$667K (deposit + AVD stamp duty HK$122,599 · 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).