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$12,389
−HK$777/mo
▼ 0.25% · 3.875%
HK$12,775
−HK$391/mo
Today · 4.125%
HK$13,166
baseline
▲ 0.50% · 4.625%
HK$13,968
+HK$802/mo
Deposit HK$2.72M · loan HK$2.72M · min. income ≈ HK$26,332/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$122,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,783
−HK$745/mo
▼ 0.25% · 3.875%
HK$14,153
−HK$375/mo
Today · 4.125%
HK$14,528
baseline
▲ 0.50% · 4.625%
HK$15,294
+HK$766/mo
Deposit HK$2.72M · loan HK$2.72M · min. income ≈ HK$29,056/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$122,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,867
−HK$933/mo
▼ 0.25% · 3.875%
HK$15,330
−HK$470/mo
Today · 4.125%
HK$15,800
baseline
▲ 0.50% · 4.625%
HK$16,761
+HK$961/mo
Deposit HK$2.17M · loan HK$3.26M · min. income ≈ HK$31,600/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,540
−HK$893/mo
▼ 0.25% · 3.875%
HK$16,983
−HK$450/mo
Today · 4.125%
HK$17,433
baseline
▲ 0.50% · 4.625%
HK$18,352
+HK$919/mo
Deposit HK$2.17M · loan HK$3.26M · min. income ≈ HK$34,866/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,345
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$17,885
−HK$548/mo
Today · 4.125%
HK$18,433
baseline
▲ 0.50% · 4.625%
HK$19,555
+HK$1,122/mo
Deposit HK$1.63M · loan HK$3.80M · min. income ≈ HK$36,866/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$122,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,296
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$19,814
−HK$525/mo
Today · 4.125%
HK$20,339
baseline
▲ 0.50% · 4.625%
HK$21,411
+HK$1,072/mo
Deposit HK$1.63M · loan HK$3.80M · min. income ≈ HK$40,678/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$122,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,301
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$22,995
−HK$705/mo
Today · 4.125%
HK$23,700
baseline
▲ 0.50% · 4.625%
HK$25,142
+HK$1,442/mo
Deposit HK$543K · loan HK$4.89M · min. income ≈ HK$47,400/mo (50% DSR)
Upfront cash ≈ HK$666K (deposit + AVD stamp duty HK$122,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,810
−HK$1,340/mo
▼ 0.25% · 3.875%
HK$25,475
−HK$675/mo
Today · 4.125%
HK$26,150
baseline
▲ 0.50% · 4.625%
HK$27,528
+HK$1,378/mo
Deposit HK$543K · loan HK$4.89M · min. income ≈ HK$52,300/mo (50% DSR)
Upfront cash ≈ HK$666K (deposit + AVD stamp duty HK$122,251 · 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).