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$12,354
−HK$775/mo
▼ 0.25% · 3.875%
HK$12,739
−HK$390/mo
Today · 4.125%
HK$13,129
baseline
▲ 0.50% · 4.625%
HK$13,928
+HK$799/mo
Deposit HK$2.71M · loan HK$2.71M · min. income ≈ HK$26,258/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$121,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,744
−HK$743/mo
▼ 0.25% · 3.875%
HK$14,113
−HK$374/mo
Today · 4.125%
HK$14,487
baseline
▲ 0.50% · 4.625%
HK$15,250
+HK$763/mo
Deposit HK$2.71M · loan HK$2.71M · min. income ≈ HK$28,974/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$121,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,825
−HK$930/mo
▼ 0.25% · 3.875%
HK$15,286
−HK$469/mo
Today · 4.125%
HK$15,755
baseline
▲ 0.50% · 4.625%
HK$16,714
+HK$959/mo
Deposit HK$2.17M · loan HK$3.25M · min. income ≈ HK$31,510/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$121,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,493
−HK$891/mo
▼ 0.25% · 3.875%
HK$16,935
−HK$449/mo
Today · 4.125%
HK$17,384
baseline
▲ 0.50% · 4.625%
HK$18,300
+HK$916/mo
Deposit HK$2.17M · loan HK$3.25M · min. income ≈ HK$34,768/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$121,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,296
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$17,834
−HK$547/mo
Today · 4.125%
HK$18,381
baseline
▲ 0.50% · 4.625%
HK$19,499
+HK$1,118/mo
Deposit HK$1.63M · loan HK$3.79M · min. income ≈ HK$36,762/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$121,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,242
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$19,758
−HK$523/mo
Today · 4.125%
HK$20,281
baseline
▲ 0.50% · 4.625%
HK$21,351
+HK$1,070/mo
Deposit HK$1.63M · loan HK$3.79M · min. income ≈ HK$40,562/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$121,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,238
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$22,930
−HK$703/mo
Today · 4.125%
HK$23,633
baseline
▲ 0.50% · 4.625%
HK$25,070
+HK$1,437/mo
Deposit HK$542K · loan HK$4.88M · min. income ≈ HK$47,266/mo (50% DSR)
Upfront cash ≈ HK$664K (deposit + AVD stamp duty HK$121,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,740
−HK$1,336/mo
▼ 0.25% · 3.875%
HK$25,403
−HK$673/mo
Today · 4.125%
HK$26,076
baseline
▲ 0.50% · 4.625%
HK$27,451
+HK$1,375/mo
Deposit HK$542K · loan HK$4.88M · min. income ≈ HK$52,152/mo (50% DSR)
Upfront cash ≈ HK$664K (deposit + AVD stamp duty HK$121,906 · 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).