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$12,353
−HK$774/mo
▼ 0.25% · 3.875%
HK$12,737
−HK$390/mo
Today · 4.125%
HK$13,127
baseline
▲ 0.50% · 4.625%
HK$13,926
+HK$799/mo
Deposit HK$2.71M · loan HK$2.71M · min. income ≈ HK$26,254/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$121,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,742
−HK$742/mo
▼ 0.25% · 3.875%
HK$14,111
−HK$373/mo
Today · 4.125%
HK$14,484
baseline
▲ 0.50% · 4.625%
HK$15,248
+HK$764/mo
Deposit HK$2.71M · loan HK$2.71M · min. income ≈ HK$28,968/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$121,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,823
−HK$930/mo
▼ 0.25% · 3.875%
HK$15,284
−HK$469/mo
Today · 4.125%
HK$15,753
baseline
▲ 0.50% · 4.625%
HK$16,711
+HK$958/mo
Deposit HK$2.17M · loan HK$3.25M · min. income ≈ HK$31,506/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$121,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,490
−HK$891/mo
▼ 0.25% · 3.875%
HK$16,933
−HK$448/mo
Today · 4.125%
HK$17,381
baseline
▲ 0.50% · 4.625%
HK$18,298
+HK$917/mo
Deposit HK$2.17M · loan HK$3.25M · min. income ≈ HK$34,762/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$121,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,294
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$17,831
−HK$547/mo
Today · 4.125%
HK$18,378
baseline
▲ 0.50% · 4.625%
HK$19,496
+HK$1,118/mo
Deposit HK$1.63M · loan HK$3.79M · min. income ≈ HK$36,756/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$121,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,239
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$19,755
−HK$523/mo
Today · 4.125%
HK$20,278
baseline
▲ 0.50% · 4.625%
HK$21,347
+HK$1,069/mo
Deposit HK$1.63M · loan HK$3.79M · min. income ≈ HK$40,556/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$121,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,235
−HK$1,394/mo
▼ 0.25% · 3.875%
HK$22,926
−HK$703/mo
Today · 4.125%
HK$23,629
baseline
▲ 0.50% · 4.625%
HK$25,067
+HK$1,438/mo
Deposit HK$542K · loan HK$4.88M · min. income ≈ HK$47,258/mo (50% DSR)
Upfront cash ≈ HK$664K (deposit + AVD stamp duty HK$121,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,736
−HK$1,336/mo
▼ 0.25% · 3.875%
HK$25,399
−HK$673/mo
Today · 4.125%
HK$26,072
baseline
▲ 0.50% · 4.625%
HK$27,446
+HK$1,374/mo
Deposit HK$542K · loan HK$4.88M · min. income ≈ HK$52,144/mo (50% DSR)
Upfront cash ≈ HK$664K (deposit + AVD stamp duty HK$121,887 · 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).