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$12,386
−HK$776/mo
▼ 0.25% · 3.875%
HK$12,771
−HK$391/mo
Today · 4.125%
HK$13,162
baseline
▲ 0.50% · 4.625%
HK$13,963
+HK$801/mo
Deposit HK$2.72M · loan HK$2.72M · min. income ≈ HK$26,324/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$122,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,779
−HK$744/mo
▼ 0.25% · 3.875%
HK$14,149
−HK$374/mo
Today · 4.125%
HK$14,523
baseline
▲ 0.50% · 4.625%
HK$15,289
+HK$766/mo
Deposit HK$2.72M · loan HK$2.72M · min. income ≈ HK$29,046/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$122,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,863
−HK$932/mo
▼ 0.25% · 3.875%
HK$15,325
−HK$470/mo
Today · 4.125%
HK$15,795
baseline
▲ 0.50% · 4.625%
HK$16,756
+HK$961/mo
Deposit HK$2.17M · loan HK$3.26M · min. income ≈ HK$31,590/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$122,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,535
−HK$893/mo
▼ 0.25% · 3.875%
HK$16,978
−HK$450/mo
Today · 4.125%
HK$17,428
baseline
▲ 0.50% · 4.625%
HK$18,347
+HK$919/mo
Deposit HK$2.17M · loan HK$3.26M · min. income ≈ HK$34,856/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$122,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,340
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$17,879
−HK$548/mo
Today · 4.125%
HK$18,427
baseline
▲ 0.50% · 4.625%
HK$19,549
+HK$1,122/mo
Deposit HK$1.63M · loan HK$3.80M · min. income ≈ HK$36,854/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$122,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,291
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$19,808
−HK$525/mo
Today · 4.125%
HK$20,333
baseline
▲ 0.50% · 4.625%
HK$21,405
+HK$1,072/mo
Deposit HK$1.63M · loan HK$3.80M · min. income ≈ HK$40,666/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$122,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,294
−HK$1,398/mo
▼ 0.25% · 3.875%
HK$22,988
−HK$704/mo
Today · 4.125%
HK$23,692
baseline
▲ 0.50% · 4.625%
HK$25,134
+HK$1,442/mo
Deposit HK$543K · loan HK$4.89M · min. income ≈ HK$47,384/mo (50% DSR)
Upfront cash ≈ HK$665K (deposit + AVD stamp duty HK$122,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,802
−HK$1,340/mo
▼ 0.25% · 3.875%
HK$25,467
−HK$675/mo
Today · 4.125%
HK$26,142
baseline
▲ 0.50% · 4.625%
HK$27,520
+HK$1,378/mo
Deposit HK$543K · loan HK$4.89M · min. income ≈ HK$52,284/mo (50% DSR)
Upfront cash ≈ HK$665K (deposit + AVD stamp duty HK$122,215 · 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).