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$12,393
−HK$777/mo
▼ 0.25% · 3.875%
HK$12,779
−HK$391/mo
Today · 4.125%
HK$13,170
baseline
▲ 0.50% · 4.625%
HK$13,972
+HK$802/mo
Deposit HK$2.72M · loan HK$2.72M · min. income ≈ HK$26,340/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$122,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,787
−HK$745/mo
▼ 0.25% · 3.875%
HK$14,157
−HK$375/mo
Today · 4.125%
HK$14,532
baseline
▲ 0.50% · 4.625%
HK$15,298
+HK$766/mo
Deposit HK$2.72M · loan HK$2.72M · min. income ≈ HK$29,064/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$122,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,872
−HK$932/mo
▼ 0.25% · 3.875%
HK$15,334
−HK$470/mo
Today · 4.125%
HK$15,804
baseline
▲ 0.50% · 4.625%
HK$16,766
+HK$962/mo
Deposit HK$2.17M · loan HK$3.26M · min. income ≈ HK$31,608/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,545
−HK$894/mo
▼ 0.25% · 3.875%
HK$16,988
−HK$451/mo
Today · 4.125%
HK$17,439
baseline
▲ 0.50% · 4.625%
HK$18,358
+HK$919/mo
Deposit HK$2.17M · loan HK$3.26M · min. income ≈ HK$34,878/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,350
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$17,890
−HK$548/mo
Today · 4.125%
HK$18,438
baseline
▲ 0.50% · 4.625%
HK$19,560
+HK$1,122/mo
Deposit HK$1.63M · loan HK$3.80M · min. income ≈ HK$36,876/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$122,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,302
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$19,820
−HK$525/mo
Today · 4.125%
HK$20,345
baseline
▲ 0.50% · 4.625%
HK$21,417
+HK$1,072/mo
Deposit HK$1.63M · loan HK$3.80M · min. income ≈ HK$40,690/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$122,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,308
−HK$1,398/mo
▼ 0.25% · 3.875%
HK$23,001
−HK$705/mo
Today · 4.125%
HK$23,706
baseline
▲ 0.50% · 4.625%
HK$25,149
+HK$1,443/mo
Deposit HK$543K · loan HK$4.89M · min. income ≈ HK$47,412/mo (50% DSR)
Upfront cash ≈ HK$666K (deposit + AVD stamp duty HK$122,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,817
−HK$1,341/mo
▼ 0.25% · 3.875%
HK$25,483
−HK$675/mo
Today · 4.125%
HK$26,158
baseline
▲ 0.50% · 4.625%
HK$27,537
+HK$1,379/mo
Deposit HK$543K · loan HK$4.89M · min. income ≈ HK$52,316/mo (50% DSR)
Upfront cash ≈ HK$666K (deposit + AVD stamp duty HK$122,287 · 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).