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$12,369
−HK$776/mo
▼ 0.25% · 3.875%
HK$12,754
−HK$391/mo
Today · 4.125%
HK$13,145
baseline
▲ 0.50% · 4.625%
HK$13,945
+HK$800/mo
Deposit HK$2.71M · loan HK$2.71M · min. income ≈ HK$26,290/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$122,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,761
−HK$743/mo
▼ 0.25% · 3.875%
HK$14,130
−HK$374/mo
Today · 4.125%
HK$14,504
baseline
▲ 0.50% · 4.625%
HK$15,268
+HK$764/mo
Deposit HK$2.71M · loan HK$2.71M · min. income ≈ HK$29,008/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$122,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,843
−HK$931/mo
▼ 0.25% · 3.875%
HK$15,305
−HK$469/mo
Today · 4.125%
HK$15,774
baseline
▲ 0.50% · 4.625%
HK$16,734
+HK$960/mo
Deposit HK$2.17M · loan HK$3.25M · min. income ≈ HK$31,548/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$122,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,513
−HK$892/mo
▼ 0.25% · 3.875%
HK$16,955
−HK$450/mo
Today · 4.125%
HK$17,405
baseline
▲ 0.50% · 4.625%
HK$18,322
+HK$917/mo
Deposit HK$2.17M · loan HK$3.25M · min. income ≈ HK$34,810/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$122,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,317
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$17,855
−HK$548/mo
Today · 4.125%
HK$18,403
baseline
▲ 0.50% · 4.625%
HK$19,522
+HK$1,119/mo
Deposit HK$1.63M · loan HK$3.80M · min. income ≈ HK$36,806/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$122,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,265
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$19,781
−HK$525/mo
Today · 4.125%
HK$20,306
baseline
▲ 0.50% · 4.625%
HK$21,376
+HK$1,070/mo
Deposit HK$1.63M · loan HK$3.80M · min. income ≈ HK$40,612/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$122,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,264
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$22,957
−HK$704/mo
Today · 4.125%
HK$23,661
baseline
▲ 0.50% · 4.625%
HK$25,100
+HK$1,439/mo
Deposit HK$542K · loan HK$4.88M · min. income ≈ HK$47,322/mo (50% DSR)
Upfront cash ≈ HK$664K (deposit + AVD stamp duty HK$122,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,769
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$25,433
−HK$674/mo
Today · 4.125%
HK$26,107
baseline
▲ 0.50% · 4.625%
HK$27,483
+HK$1,376/mo
Deposit HK$542K · loan HK$4.88M · min. income ≈ HK$52,214/mo (50% DSR)
Upfront cash ≈ HK$664K (deposit + AVD stamp duty HK$122,050 · 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).