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$12,420
−HK$779/mo
▼ 0.25% · 3.875%
HK$12,807
−HK$392/mo
Today · 4.125%
HK$13,199
baseline
▲ 0.50% · 4.625%
HK$14,002
+HK$803/mo
Deposit HK$2.72M · loan HK$2.72M · min. income ≈ HK$26,398/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$122,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,817
−HK$747/mo
▼ 0.25% · 3.875%
HK$14,188
−HK$376/mo
Today · 4.125%
HK$14,564
baseline
▲ 0.50% · 4.625%
HK$15,332
+HK$768/mo
Deposit HK$2.72M · loan HK$2.72M · min. income ≈ HK$29,128/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$122,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,904
−HK$935/mo
▼ 0.25% · 3.875%
HK$15,368
−HK$471/mo
Today · 4.125%
HK$15,839
baseline
▲ 0.50% · 4.625%
HK$16,803
+HK$964/mo
Deposit HK$2.18M · loan HK$3.27M · min. income ≈ HK$31,678/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,581
−HK$896/mo
▼ 0.25% · 3.875%
HK$17,026
−HK$451/mo
Today · 4.125%
HK$17,477
baseline
▲ 0.50% · 4.625%
HK$18,398
+HK$921/mo
Deposit HK$2.18M · loan HK$3.27M · min. income ≈ HK$34,954/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,388
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$17,929
−HK$550/mo
Today · 4.125%
HK$18,479
baseline
▲ 0.50% · 4.625%
HK$19,603
+HK$1,124/mo
Deposit HK$1.63M · loan HK$3.81M · min. income ≈ HK$36,958/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,344
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$19,863
−HK$527/mo
Today · 4.125%
HK$20,390
baseline
▲ 0.50% · 4.625%
HK$21,464
+HK$1,074/mo
Deposit HK$1.63M · loan HK$3.81M · min. income ≈ HK$40,780/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,357
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$23,052
−HK$706/mo
Today · 4.125%
HK$23,758
baseline
▲ 0.50% · 4.625%
HK$25,204
+HK$1,446/mo
Deposit HK$545K · loan HK$4.90M · min. income ≈ HK$47,516/mo (50% DSR)
Upfront cash ≈ HK$667K (deposit + AVD stamp duty HK$122,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,871
−HK$1,344/mo
▼ 0.25% · 3.875%
HK$25,538
−HK$677/mo
Today · 4.125%
HK$26,215
baseline
▲ 0.50% · 4.625%
HK$27,597
+HK$1,382/mo
Deposit HK$545K · loan HK$4.90M · min. income ≈ HK$52,430/mo (50% DSR)
Upfront cash ≈ HK$667K (deposit + AVD stamp duty HK$122,555 · 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).