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$12,349
−HK$775/mo
▼ 0.25% · 3.875%
HK$12,734
−HK$390/mo
Today · 4.125%
HK$13,124
baseline
▲ 0.50% · 4.625%
HK$13,922
+HK$798/mo
Deposit HK$2.71M · loan HK$2.71M · min. income ≈ HK$26,248/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$121,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,739
−HK$742/mo
▼ 0.25% · 3.875%
HK$14,107
−HK$374/mo
Today · 4.125%
HK$14,481
baseline
▲ 0.50% · 4.625%
HK$15,244
+HK$763/mo
Deposit HK$2.71M · loan HK$2.71M · min. income ≈ HK$28,962/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$121,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,819
−HK$930/mo
▼ 0.25% · 3.875%
HK$15,280
−HK$469/mo
Today · 4.125%
HK$15,749
baseline
▲ 0.50% · 4.625%
HK$16,707
+HK$958/mo
Deposit HK$2.17M · loan HK$3.25M · min. income ≈ HK$31,498/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$121,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,486
−HK$891/mo
▼ 0.25% · 3.875%
HK$16,929
−HK$448/mo
Today · 4.125%
HK$17,377
baseline
▲ 0.50% · 4.625%
HK$18,293
+HK$916/mo
Deposit HK$2.17M · loan HK$3.25M · min. income ≈ HK$34,754/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$121,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,289
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$17,827
−HK$546/mo
Today · 4.125%
HK$18,373
baseline
▲ 0.50% · 4.625%
HK$19,491
+HK$1,118/mo
Deposit HK$1.62M · loan HK$3.79M · min. income ≈ HK$36,746/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$121,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,234
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$19,750
−HK$523/mo
Today · 4.125%
HK$20,273
baseline
▲ 0.50% · 4.625%
HK$21,342
+HK$1,069/mo
Deposit HK$1.62M · loan HK$3.79M · min. income ≈ HK$40,546/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$121,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,229
−HK$1,394/mo
▼ 0.25% · 3.875%
HK$22,921
−HK$702/mo
Today · 4.125%
HK$23,623
baseline
▲ 0.50% · 4.625%
HK$25,060
+HK$1,437/mo
Deposit HK$542K · loan HK$4.87M · min. income ≈ HK$47,246/mo (50% DSR)
Upfront cash ≈ HK$663K (deposit + AVD stamp duty HK$121,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,730
−HK$1,336/mo
▼ 0.25% · 3.875%
HK$25,393
−HK$673/mo
Today · 4.125%
HK$26,066
baseline
▲ 0.50% · 4.625%
HK$27,440
+HK$1,374/mo
Deposit HK$542K · loan HK$4.87M · min. income ≈ HK$52,132/mo (50% DSR)
Upfront cash ≈ HK$663K (deposit + AVD stamp duty HK$121,857 · 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).