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$12,370
−HK$776/mo
▼ 0.25% · 3.875%
HK$12,755
−HK$391/mo
Today · 4.125%
HK$13,146
baseline
▲ 0.50% · 4.625%
HK$13,946
+HK$800/mo
Deposit HK$2.71M · loan HK$2.71M · min. income ≈ HK$26,292/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$122,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,762
−HK$744/mo
▼ 0.25% · 3.875%
HK$14,131
−HK$375/mo
Today · 4.125%
HK$14,506
baseline
▲ 0.50% · 4.625%
HK$15,270
+HK$764/mo
Deposit HK$2.71M · loan HK$2.71M · min. income ≈ HK$29,012/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$122,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,845
−HK$930/mo
▼ 0.25% · 3.875%
HK$15,306
−HK$469/mo
Today · 4.125%
HK$15,775
baseline
▲ 0.50% · 4.625%
HK$16,735
+HK$960/mo
Deposit HK$2.17M · loan HK$3.26M · min. income ≈ HK$31,550/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$122,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,514
−HK$893/mo
▼ 0.25% · 3.875%
HK$16,957
−HK$450/mo
Today · 4.125%
HK$17,407
baseline
▲ 0.50% · 4.625%
HK$18,324
+HK$917/mo
Deposit HK$2.17M · loan HK$3.26M · min. income ≈ HK$34,814/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$122,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,319
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$17,857
−HK$548/mo
Today · 4.125%
HK$18,405
baseline
▲ 0.50% · 4.625%
HK$19,525
+HK$1,120/mo
Deposit HK$1.63M · loan HK$3.80M · min. income ≈ HK$36,810/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$122,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,267
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$19,784
−HK$524/mo
Today · 4.125%
HK$20,308
baseline
▲ 0.50% · 4.625%
HK$21,378
+HK$1,070/mo
Deposit HK$1.63M · loan HK$3.80M · min. income ≈ HK$40,616/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$122,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,267
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$22,959
−HK$704/mo
Today · 4.125%
HK$23,663
baseline
▲ 0.50% · 4.625%
HK$25,103
+HK$1,440/mo
Deposit HK$543K · loan HK$4.88M · min. income ≈ HK$47,326/mo (50% DSR)
Upfront cash ≈ HK$665K (deposit + AVD stamp duty HK$122,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,772
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$25,436
−HK$674/mo
Today · 4.125%
HK$26,110
baseline
▲ 0.50% · 4.625%
HK$27,486
+HK$1,376/mo
Deposit HK$543K · loan HK$4.88M · min. income ≈ HK$52,220/mo (50% DSR)
Upfront cash ≈ HK$665K (deposit + AVD stamp duty HK$122,064 · 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).