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$12,365
−HK$775/mo
▼ 0.25% · 3.875%
HK$12,749
−HK$391/mo
Today · 4.125%
HK$13,140
baseline
▲ 0.50% · 4.625%
HK$13,940
+HK$800/mo
Deposit HK$2.71M · loan HK$2.71M · min. income ≈ HK$26,280/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$122,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,756
−HK$743/mo
▼ 0.25% · 3.875%
HK$14,125
−HK$374/mo
Today · 4.125%
HK$14,499
baseline
▲ 0.50% · 4.625%
HK$15,263
+HK$764/mo
Deposit HK$2.71M · loan HK$2.71M · min. income ≈ HK$28,998/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$122,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,838
−HK$930/mo
▼ 0.25% · 3.875%
HK$15,299
−HK$469/mo
Today · 4.125%
HK$15,768
baseline
▲ 0.50% · 4.625%
HK$16,728
+HK$960/mo
Deposit HK$2.17M · loan HK$3.25M · min. income ≈ HK$31,536/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$122,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,507
−HK$892/mo
▼ 0.25% · 3.875%
HK$16,950
−HK$449/mo
Today · 4.125%
HK$17,399
baseline
▲ 0.50% · 4.625%
HK$18,316
+HK$917/mo
Deposit HK$2.17M · loan HK$3.25M · min. income ≈ HK$34,798/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$122,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,311
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$17,849
−HK$547/mo
Today · 4.125%
HK$18,396
baseline
▲ 0.50% · 4.625%
HK$19,516
+HK$1,120/mo
Deposit HK$1.63M · loan HK$3.80M · min. income ≈ HK$36,792/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$122,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,258
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$19,774
−HK$524/mo
Today · 4.125%
HK$20,298
baseline
▲ 0.50% · 4.625%
HK$21,368
+HK$1,070/mo
Deposit HK$1.63M · loan HK$3.80M · min. income ≈ HK$40,596/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$122,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,257
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$22,949
−HK$703/mo
Today · 4.125%
HK$23,652
baseline
▲ 0.50% · 4.625%
HK$25,091
+HK$1,439/mo
Deposit HK$542K · loan HK$4.88M · min. income ≈ HK$47,304/mo (50% DSR)
Upfront cash ≈ HK$664K (deposit + AVD stamp duty HK$122,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,760
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$25,424
−HK$674/mo
Today · 4.125%
HK$26,098
baseline
▲ 0.50% · 4.625%
HK$27,474
+HK$1,376/mo
Deposit HK$542K · loan HK$4.88M · min. income ≈ HK$52,196/mo (50% DSR)
Upfront cash ≈ HK$664K (deposit + AVD stamp duty HK$122,007 · 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).