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$12,354
−HK$775/mo
▼ 0.25% · 3.875%
HK$12,738
−HK$391/mo
Today · 4.125%
HK$13,129
baseline
▲ 0.50% · 4.625%
HK$13,927
+HK$798/mo
Deposit HK$2.71M · loan HK$2.71M · min. income ≈ HK$26,258/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$121,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,744
−HK$742/mo
▼ 0.25% · 3.875%
HK$14,112
−HK$374/mo
Today · 4.125%
HK$14,486
baseline
▲ 0.50% · 4.625%
HK$15,250
+HK$764/mo
Deposit HK$2.71M · loan HK$2.71M · min. income ≈ HK$28,972/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$121,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,825
−HK$929/mo
▼ 0.25% · 3.875%
HK$15,286
−HK$468/mo
Today · 4.125%
HK$15,754
baseline
▲ 0.50% · 4.625%
HK$16,713
+HK$959/mo
Deposit HK$2.17M · loan HK$3.25M · min. income ≈ HK$31,508/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$121,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,492
−HK$891/mo
▼ 0.25% · 3.875%
HK$16,935
−HK$448/mo
Today · 4.125%
HK$17,383
baseline
▲ 0.50% · 4.625%
HK$18,300
+HK$917/mo
Deposit HK$2.17M · loan HK$3.25M · min. income ≈ HK$34,766/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$121,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,295
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$17,833
−HK$547/mo
Today · 4.125%
HK$18,380
baseline
▲ 0.50% · 4.625%
HK$19,498
+HK$1,118/mo
Deposit HK$1.63M · loan HK$3.79M · min. income ≈ HK$36,760/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$121,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,241
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$19,757
−HK$524/mo
Today · 4.125%
HK$20,281
baseline
▲ 0.50% · 4.625%
HK$21,350
+HK$1,069/mo
Deposit HK$1.63M · loan HK$3.79M · min. income ≈ HK$40,562/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$121,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,237
−HK$1,394/mo
▼ 0.25% · 3.875%
HK$22,929
−HK$702/mo
Today · 4.125%
HK$23,631
baseline
▲ 0.50% · 4.625%
HK$25,069
+HK$1,438/mo
Deposit HK$542K · loan HK$4.88M · min. income ≈ HK$47,262/mo (50% DSR)
Upfront cash ≈ HK$664K (deposit + AVD stamp duty HK$121,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,738
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$25,402
−HK$673/mo
Today · 4.125%
HK$26,075
baseline
▲ 0.50% · 4.625%
HK$27,449
+HK$1,374/mo
Deposit HK$542K · loan HK$4.88M · min. income ≈ HK$52,150/mo (50% DSR)
Upfront cash ≈ HK$664K (deposit + AVD stamp duty HK$121,900 · 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).