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$12,408
−HK$778/mo
▼ 0.25% · 3.875%
HK$12,794
−HK$392/mo
Today · 4.125%
HK$13,186
baseline
▲ 0.50% · 4.625%
HK$13,989
+HK$803/mo
Deposit HK$2.72M · loan HK$2.72M · min. income ≈ HK$26,372/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$122,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,804
−HK$746/mo
▼ 0.25% · 3.875%
HK$14,174
−HK$376/mo
Today · 4.125%
HK$14,550
baseline
▲ 0.50% · 4.625%
HK$15,317
+HK$767/mo
Deposit HK$2.72M · loan HK$2.72M · min. income ≈ HK$29,100/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$122,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,890
−HK$933/mo
▼ 0.25% · 3.875%
HK$15,353
−HK$470/mo
Today · 4.125%
HK$15,823
baseline
▲ 0.50% · 4.625%
HK$16,786
+HK$963/mo
Deposit HK$2.18M · loan HK$3.26M · min. income ≈ HK$31,646/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,565
−HK$895/mo
▼ 0.25% · 3.875%
HK$17,009
−HK$451/mo
Today · 4.125%
HK$17,460
baseline
▲ 0.50% · 4.625%
HK$18,380
+HK$920/mo
Deposit HK$2.18M · loan HK$3.26M · min. income ≈ HK$34,920/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,371
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$17,912
−HK$549/mo
Today · 4.125%
HK$18,461
baseline
▲ 0.50% · 4.625%
HK$19,584
+HK$1,123/mo
Deposit HK$1.63M · loan HK$3.81M · min. income ≈ HK$36,922/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$122,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,325
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$19,844
−HK$526/mo
Today · 4.125%
HK$20,370
baseline
▲ 0.50% · 4.625%
HK$21,443
+HK$1,073/mo
Deposit HK$1.63M · loan HK$3.81M · min. income ≈ HK$40,740/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$122,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,335
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$23,029
−HK$706/mo
Today · 4.125%
HK$23,735
baseline
▲ 0.50% · 4.625%
HK$25,179
+HK$1,444/mo
Deposit HK$544K · loan HK$4.90M · min. income ≈ HK$47,470/mo (50% DSR)
Upfront cash ≈ HK$667K (deposit + AVD stamp duty HK$122,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,847
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$25,513
−HK$676/mo
Today · 4.125%
HK$26,189
baseline
▲ 0.50% · 4.625%
HK$27,570
+HK$1,381/mo
Deposit HK$544K · loan HK$4.90M · min. income ≈ HK$52,378/mo (50% DSR)
Upfront cash ≈ HK$667K (deposit + AVD stamp duty HK$122,435 · 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).