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$12,410
−HK$779/mo
▼ 0.25% · 3.875%
HK$12,796
−HK$393/mo
Today · 4.125%
HK$13,189
baseline
▲ 0.50% · 4.625%
HK$13,991
+HK$802/mo
Deposit HK$2.72M · loan HK$2.72M · min. income ≈ HK$26,378/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$122,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,806
−HK$746/mo
▼ 0.25% · 3.875%
HK$14,177
−HK$375/mo
Today · 4.125%
HK$14,552
baseline
▲ 0.50% · 4.625%
HK$15,319
+HK$767/mo
Deposit HK$2.72M · loan HK$2.72M · min. income ≈ HK$29,104/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$122,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,892
−HK$934/mo
▼ 0.25% · 3.875%
HK$15,356
−HK$470/mo
Today · 4.125%
HK$15,826
baseline
▲ 0.50% · 4.625%
HK$16,789
+HK$963/mo
Deposit HK$2.18M · loan HK$3.27M · min. income ≈ HK$31,652/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,568
−HK$895/mo
▼ 0.25% · 3.875%
HK$17,012
−HK$451/mo
Today · 4.125%
HK$17,463
baseline
▲ 0.50% · 4.625%
HK$18,383
+HK$920/mo
Deposit HK$2.18M · loan HK$3.27M · min. income ≈ HK$34,926/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,374
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$17,915
−HK$549/mo
Today · 4.125%
HK$18,464
baseline
▲ 0.50% · 4.625%
HK$19,588
+HK$1,124/mo
Deposit HK$1.63M · loan HK$3.81M · min. income ≈ HK$36,928/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,329
−HK$1,044/mo
▼ 0.25% · 3.875%
HK$19,847
−HK$526/mo
Today · 4.125%
HK$20,373
baseline
▲ 0.50% · 4.625%
HK$21,447
+HK$1,074/mo
Deposit HK$1.63M · loan HK$3.81M · min. income ≈ HK$40,746/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,339
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$23,033
−HK$706/mo
Today · 4.125%
HK$23,739
baseline
▲ 0.50% · 4.625%
HK$25,184
+HK$1,445/mo
Deposit HK$544K · loan HK$4.90M · min. income ≈ HK$47,478/mo (50% DSR)
Upfront cash ≈ HK$667K (deposit + AVD stamp duty HK$122,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,852
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$25,518
−HK$676/mo
Today · 4.125%
HK$26,194
baseline
▲ 0.50% · 4.625%
HK$27,575
+HK$1,381/mo
Deposit HK$544K · loan HK$4.90M · min. income ≈ HK$52,388/mo (50% DSR)
Upfront cash ≈ HK$667K (deposit + AVD stamp duty HK$122,457 · 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).