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$12,384
−HK$777/mo
▼ 0.25% · 3.875%
HK$12,769
−HK$392/mo
Today · 4.125%
HK$13,161
baseline
▲ 0.50% · 4.625%
HK$13,961
+HK$800/mo
Deposit HK$2.72M · loan HK$2.72M · min. income ≈ HK$26,322/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$122,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,777
−HK$744/mo
▼ 0.25% · 3.875%
HK$14,147
−HK$374/mo
Today · 4.125%
HK$14,521
baseline
▲ 0.50% · 4.625%
HK$15,287
+HK$766/mo
Deposit HK$2.72M · loan HK$2.72M · min. income ≈ HK$29,042/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$122,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,861
−HK$932/mo
▼ 0.25% · 3.875%
HK$15,323
−HK$470/mo
Today · 4.125%
HK$15,793
baseline
▲ 0.50% · 4.625%
HK$16,754
+HK$961/mo
Deposit HK$2.17M · loan HK$3.26M · min. income ≈ HK$31,586/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$122,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,532
−HK$894/mo
▼ 0.25% · 3.875%
HK$16,976
−HK$450/mo
Today · 4.125%
HK$17,426
baseline
▲ 0.50% · 4.625%
HK$18,344
+HK$918/mo
Deposit HK$2.17M · loan HK$3.26M · min. income ≈ HK$34,852/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$122,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,338
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$17,877
−HK$548/mo
Today · 4.125%
HK$18,425
baseline
▲ 0.50% · 4.625%
HK$19,546
+HK$1,121/mo
Deposit HK$1.63M · loan HK$3.80M · min. income ≈ HK$36,850/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$122,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,288
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$19,805
−HK$525/mo
Today · 4.125%
HK$20,330
baseline
▲ 0.50% · 4.625%
HK$21,402
+HK$1,072/mo
Deposit HK$1.63M · loan HK$3.80M · min. income ≈ HK$40,660/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$122,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,291
−HK$1,398/mo
▼ 0.25% · 3.875%
HK$22,985
−HK$704/mo
Today · 4.125%
HK$23,689
baseline
▲ 0.50% · 4.625%
HK$25,130
+HK$1,441/mo
Deposit HK$543K · loan HK$4.89M · min. income ≈ HK$47,378/mo (50% DSR)
Upfront cash ≈ HK$665K (deposit + AVD stamp duty HK$122,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,799
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$25,464
−HK$674/mo
Today · 4.125%
HK$26,138
baseline
▲ 0.50% · 4.625%
HK$27,516
+HK$1,378/mo
Deposit HK$543K · loan HK$4.89M · min. income ≈ HK$52,276/mo (50% DSR)
Upfront cash ≈ HK$665K (deposit + AVD stamp duty HK$122,197 · 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).