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$12,339
−HK$774/mo
▼ 0.25% · 3.875%
HK$12,723
−HK$390/mo
Today · 4.125%
HK$13,113
baseline
▲ 0.50% · 4.625%
HK$13,911
+HK$798/mo
Deposit HK$2.71M · loan HK$2.71M · min. income ≈ HK$26,226/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$121,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,727
−HK$742/mo
▼ 0.25% · 3.875%
HK$14,095
−HK$374/mo
Today · 4.125%
HK$14,469
baseline
▲ 0.50% · 4.625%
HK$15,232
+HK$763/mo
Deposit HK$2.71M · loan HK$2.71M · min. income ≈ HK$28,938/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$121,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,807
−HK$929/mo
▼ 0.25% · 3.875%
HK$15,268
−HK$468/mo
Today · 4.125%
HK$15,736
baseline
▲ 0.50% · 4.625%
HK$16,693
+HK$957/mo
Deposit HK$2.16M · loan HK$3.25M · min. income ≈ HK$31,472/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$121,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,473
−HK$890/mo
▼ 0.25% · 3.875%
HK$16,914
−HK$449/mo
Today · 4.125%
HK$17,363
baseline
▲ 0.50% · 4.625%
HK$18,278
+HK$915/mo
Deposit HK$2.16M · loan HK$3.25M · min. income ≈ HK$34,726/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$121,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,275
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$17,812
−HK$546/mo
Today · 4.125%
HK$18,358
baseline
▲ 0.50% · 4.625%
HK$19,475
+HK$1,117/mo
Deposit HK$1.62M · loan HK$3.79M · min. income ≈ HK$36,716/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$121,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,218
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$19,734
−HK$522/mo
Today · 4.125%
HK$20,256
baseline
▲ 0.50% · 4.625%
HK$21,324
+HK$1,068/mo
Deposit HK$1.62M · loan HK$3.79M · min. income ≈ HK$40,512/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$121,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,211
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$22,901
−HK$702/mo
Today · 4.125%
HK$23,603
baseline
▲ 0.50% · 4.625%
HK$25,040
+HK$1,437/mo
Deposit HK$541K · loan HK$4.87M · min. income ≈ HK$47,206/mo (50% DSR)
Upfront cash ≈ HK$663K (deposit + AVD stamp duty HK$121,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,709
−HK$1,335/mo
▼ 0.25% · 3.875%
HK$25,372
−HK$672/mo
Today · 4.125%
HK$26,044
baseline
▲ 0.50% · 4.625%
HK$27,417
+HK$1,373/mo
Deposit HK$541K · loan HK$4.87M · min. income ≈ HK$52,088/mo (50% DSR)
Upfront cash ≈ HK$663K (deposit + AVD stamp duty HK$121,755 · 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).