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$12,397
−HK$778/mo
▼ 0.25% · 3.875%
HK$12,783
−HK$392/mo
Today · 4.125%
HK$13,175
baseline
▲ 0.50% · 4.625%
HK$13,976
+HK$801/mo
Deposit HK$2.72M · loan HK$2.72M · min. income ≈ HK$26,350/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$122,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,792
−HK$745/mo
▼ 0.25% · 3.875%
HK$14,162
−HK$375/mo
Today · 4.125%
HK$14,537
baseline
▲ 0.50% · 4.625%
HK$15,303
+HK$766/mo
Deposit HK$2.72M · loan HK$2.72M · min. income ≈ HK$29,074/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$122,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,877
−HK$933/mo
▼ 0.25% · 3.875%
HK$15,339
−HK$471/mo
Today · 4.125%
HK$15,810
baseline
▲ 0.50% · 4.625%
HK$16,772
+HK$962/mo
Deposit HK$2.17M · loan HK$3.26M · min. income ≈ HK$31,620/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,550
−HK$894/mo
▼ 0.25% · 3.875%
HK$16,994
−HK$450/mo
Today · 4.125%
HK$17,444
baseline
▲ 0.50% · 4.625%
HK$18,364
+HK$920/mo
Deposit HK$2.17M · loan HK$3.26M · min. income ≈ HK$34,888/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,356
−HK$1,089/mo
▼ 0.25% · 3.875%
HK$17,896
−HK$549/mo
Today · 4.125%
HK$18,445
baseline
▲ 0.50% · 4.625%
HK$19,567
+HK$1,122/mo
Deposit HK$1.63M · loan HK$3.81M · min. income ≈ HK$36,890/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$122,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,309
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$19,826
−HK$526/mo
Today · 4.125%
HK$20,352
baseline
▲ 0.50% · 4.625%
HK$21,424
+HK$1,072/mo
Deposit HK$1.63M · loan HK$3.81M · min. income ≈ HK$40,704/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$122,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,315
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$23,009
−HK$705/mo
Today · 4.125%
HK$23,714
baseline
▲ 0.50% · 4.625%
HK$25,157
+HK$1,443/mo
Deposit HK$544K · loan HK$4.89M · min. income ≈ HK$47,428/mo (50% DSR)
Upfront cash ≈ HK$666K (deposit + AVD stamp duty HK$122,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,825
−HK$1,341/mo
▼ 0.25% · 3.875%
HK$25,491
−HK$675/mo
Today · 4.125%
HK$26,166
baseline
▲ 0.50% · 4.625%
HK$27,546
+HK$1,380/mo
Deposit HK$544K · loan HK$4.89M · min. income ≈ HK$52,332/mo (50% DSR)
Upfront cash ≈ HK$666K (deposit + AVD stamp duty HK$122,328 · 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).