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$12,373
−HK$776/mo
▼ 0.25% · 3.875%
HK$12,758
−HK$391/mo
Today · 4.125%
HK$13,149
baseline
▲ 0.50% · 4.625%
HK$13,949
+HK$800/mo
Deposit HK$2.71M · loan HK$2.71M · min. income ≈ HK$26,298/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$122,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,764
−HK$744/mo
▼ 0.25% · 3.875%
HK$14,134
−HK$374/mo
Today · 4.125%
HK$14,508
baseline
▲ 0.50% · 4.625%
HK$15,273
+HK$765/mo
Deposit HK$2.71M · loan HK$2.71M · min. income ≈ HK$29,016/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$122,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,847
−HK$931/mo
▼ 0.25% · 3.875%
HK$15,309
−HK$469/mo
Today · 4.125%
HK$15,778
baseline
▲ 0.50% · 4.625%
HK$16,738
+HK$960/mo
Deposit HK$2.17M · loan HK$3.26M · min. income ≈ HK$31,556/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$122,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,517
−HK$893/mo
▼ 0.25% · 3.875%
HK$16,960
−HK$450/mo
Today · 4.125%
HK$17,410
baseline
▲ 0.50% · 4.625%
HK$18,327
+HK$917/mo
Deposit HK$2.17M · loan HK$3.26M · min. income ≈ HK$34,820/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$122,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,322
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$17,861
−HK$547/mo
Today · 4.125%
HK$18,408
baseline
▲ 0.50% · 4.625%
HK$19,528
+HK$1,120/mo
Deposit HK$1.63M · loan HK$3.80M · min. income ≈ HK$36,816/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$122,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,270
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$19,787
−HK$524/mo
Today · 4.125%
HK$20,311
baseline
▲ 0.50% · 4.625%
HK$21,382
+HK$1,071/mo
Deposit HK$1.63M · loan HK$3.80M · min. income ≈ HK$40,622/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$122,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,271
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$22,964
−HK$703/mo
Today · 4.125%
HK$23,667
baseline
▲ 0.50% · 4.625%
HK$25,107
+HK$1,440/mo
Deposit HK$543K · loan HK$4.88M · min. income ≈ HK$47,334/mo (50% DSR)
Upfront cash ≈ HK$665K (deposit + AVD stamp duty HK$122,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,776
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$25,441
−HK$674/mo
Today · 4.125%
HK$26,115
baseline
▲ 0.50% · 4.625%
HK$27,491
+HK$1,376/mo
Deposit HK$543K · loan HK$4.88M · min. income ≈ HK$52,230/mo (50% DSR)
Upfront cash ≈ HK$665K (deposit + AVD stamp duty HK$122,085 · 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).