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$12,381
−HK$777/mo
▼ 0.25% · 3.875%
HK$12,767
−HK$391/mo
Today · 4.125%
HK$13,158
baseline
▲ 0.50% · 4.625%
HK$13,958
+HK$800/mo
Deposit HK$2.71M · loan HK$2.71M · min. income ≈ HK$26,316/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$122,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,774
−HK$744/mo
▼ 0.25% · 3.875%
HK$14,144
−HK$374/mo
Today · 4.125%
HK$14,518
baseline
▲ 0.50% · 4.625%
HK$15,284
+HK$766/mo
Deposit HK$2.71M · loan HK$2.71M · min. income ≈ HK$29,036/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$122,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,858
−HK$931/mo
▼ 0.25% · 3.875%
HK$15,320
−HK$469/mo
Today · 4.125%
HK$15,789
baseline
▲ 0.50% · 4.625%
HK$16,750
+HK$961/mo
Deposit HK$2.17M · loan HK$3.26M · min. income ≈ HK$31,578/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$122,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,529
−HK$893/mo
▼ 0.25% · 3.875%
HK$16,972
−HK$450/mo
Today · 4.125%
HK$17,422
baseline
▲ 0.50% · 4.625%
HK$18,340
+HK$918/mo
Deposit HK$2.17M · loan HK$3.26M · min. income ≈ HK$34,844/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$122,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,334
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$17,873
−HK$548/mo
Today · 4.125%
HK$18,421
baseline
▲ 0.50% · 4.625%
HK$19,542
+HK$1,121/mo
Deposit HK$1.63M · loan HK$3.80M · min. income ≈ HK$36,842/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$122,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,284
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$19,801
−HK$525/mo
Today · 4.125%
HK$20,326
baseline
▲ 0.50% · 4.625%
HK$21,397
+HK$1,071/mo
Deposit HK$1.63M · loan HK$3.80M · min. income ≈ HK$40,652/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$122,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,287
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$22,980
−HK$704/mo
Today · 4.125%
HK$23,684
baseline
▲ 0.50% · 4.625%
HK$25,125
+HK$1,441/mo
Deposit HK$543K · loan HK$4.89M · min. income ≈ HK$47,368/mo (50% DSR)
Upfront cash ≈ HK$665K (deposit + AVD stamp duty HK$122,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,794
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$25,458
−HK$675/mo
Today · 4.125%
HK$26,133
baseline
▲ 0.50% · 4.625%
HK$27,511
+HK$1,378/mo
Deposit HK$543K · loan HK$4.89M · min. income ≈ HK$52,266/mo (50% DSR)
Upfront cash ≈ HK$665K (deposit + AVD stamp duty HK$122,172 · 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).