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$12,351
−HK$774/mo
▼ 0.25% · 3.875%
HK$12,735
−HK$390/mo
Today · 4.125%
HK$13,125
baseline
▲ 0.50% · 4.625%
HK$13,924
+HK$799/mo
Deposit HK$2.71M · loan HK$2.71M · min. income ≈ HK$26,250/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$121,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,740
−HK$743/mo
▼ 0.25% · 3.875%
HK$14,109
−HK$374/mo
Today · 4.125%
HK$14,483
baseline
▲ 0.50% · 4.625%
HK$15,246
+HK$763/mo
Deposit HK$2.71M · loan HK$2.71M · min. income ≈ HK$28,966/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$121,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,821
−HK$929/mo
▼ 0.25% · 3.875%
HK$15,282
−HK$468/mo
Today · 4.125%
HK$15,750
baseline
▲ 0.50% · 4.625%
HK$16,709
+HK$959/mo
Deposit HK$2.17M · loan HK$3.25M · min. income ≈ HK$31,500/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$121,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,488
−HK$891/mo
▼ 0.25% · 3.875%
HK$16,930
−HK$449/mo
Today · 4.125%
HK$17,379
baseline
▲ 0.50% · 4.625%
HK$18,295
+HK$916/mo
Deposit HK$2.17M · loan HK$3.25M · min. income ≈ HK$34,758/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$121,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,291
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$17,829
−HK$547/mo
Today · 4.125%
HK$18,376
baseline
▲ 0.50% · 4.625%
HK$19,494
+HK$1,118/mo
Deposit HK$1.62M · loan HK$3.79M · min. income ≈ HK$36,752/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$121,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,236
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$19,752
−HK$524/mo
Today · 4.125%
HK$20,276
baseline
▲ 0.50% · 4.625%
HK$21,344
+HK$1,068/mo
Deposit HK$1.62M · loan HK$3.79M · min. income ≈ HK$40,552/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$121,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,232
−HK$1,394/mo
▼ 0.25% · 3.875%
HK$22,923
−HK$703/mo
Today · 4.125%
HK$23,626
baseline
▲ 0.50% · 4.625%
HK$25,063
+HK$1,437/mo
Deposit HK$542K · loan HK$4.87M · min. income ≈ HK$47,252/mo (50% DSR)
Upfront cash ≈ HK$664K (deposit + AVD stamp duty HK$121,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,732
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$25,396
−HK$673/mo
Today · 4.125%
HK$26,069
baseline
▲ 0.50% · 4.625%
HK$27,443
+HK$1,374/mo
Deposit HK$542K · loan HK$4.87M · min. income ≈ HK$52,138/mo (50% DSR)
Upfront cash ≈ HK$664K (deposit + AVD stamp duty HK$121,870 · 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).