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$12,418
−HK$779/mo
▼ 0.25% · 3.875%
HK$12,804
−HK$393/mo
Today · 4.125%
HK$13,197
baseline
▲ 0.50% · 4.625%
HK$14,000
+HK$803/mo
Deposit HK$2.72M · loan HK$2.72M · min. income ≈ HK$26,394/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$122,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,815
−HK$746/mo
▼ 0.25% · 3.875%
HK$14,186
−HK$375/mo
Today · 4.125%
HK$14,561
baseline
▲ 0.50% · 4.625%
HK$15,329
+HK$768/mo
Deposit HK$2.72M · loan HK$2.72M · min. income ≈ HK$29,122/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$122,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,902
−HK$934/mo
▼ 0.25% · 3.875%
HK$15,365
−HK$471/mo
Today · 4.125%
HK$15,836
baseline
▲ 0.50% · 4.625%
HK$16,800
+HK$964/mo
Deposit HK$2.18M · loan HK$3.27M · min. income ≈ HK$31,672/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,578
−HK$896/mo
▼ 0.25% · 3.875%
HK$17,023
−HK$451/mo
Today · 4.125%
HK$17,474
baseline
▲ 0.50% · 4.625%
HK$18,395
+HK$921/mo
Deposit HK$2.18M · loan HK$3.27M · min. income ≈ HK$34,948/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,385
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$17,926
−HK$550/mo
Today · 4.125%
HK$18,476
baseline
▲ 0.50% · 4.625%
HK$19,600
+HK$1,124/mo
Deposit HK$1.63M · loan HK$3.81M · min. income ≈ HK$36,952/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,341
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$19,860
−HK$526/mo
Today · 4.125%
HK$20,386
baseline
▲ 0.50% · 4.625%
HK$21,461
+HK$1,075/mo
Deposit HK$1.63M · loan HK$3.81M · min. income ≈ HK$40,772/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,353
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$23,048
−HK$706/mo
Today · 4.125%
HK$23,754
baseline
▲ 0.50% · 4.625%
HK$25,200
+HK$1,446/mo
Deposit HK$545K · loan HK$4.90M · min. income ≈ HK$47,508/mo (50% DSR)
Upfront cash ≈ HK$667K (deposit + AVD stamp duty HK$122,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,867
−HK$1,344/mo
▼ 0.25% · 3.875%
HK$25,534
−HK$677/mo
Today · 4.125%
HK$26,211
baseline
▲ 0.50% · 4.625%
HK$27,592
+HK$1,381/mo
Deposit HK$545K · loan HK$4.90M · min. income ≈ HK$52,422/mo (50% DSR)
Upfront cash ≈ HK$667K (deposit + AVD stamp duty HK$122,534 · 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).