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$12,411
−HK$779/mo
▼ 0.25% · 3.875%
HK$12,797
−HK$393/mo
Today · 4.125%
HK$13,190
baseline
▲ 0.50% · 4.625%
HK$13,992
+HK$802/mo
Deposit HK$2.72M · loan HK$2.72M · min. income ≈ HK$26,380/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$122,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,808
−HK$746/mo
▼ 0.25% · 3.875%
HK$14,178
−HK$376/mo
Today · 4.125%
HK$14,554
baseline
▲ 0.50% · 4.625%
HK$15,321
+HK$767/mo
Deposit HK$2.72M · loan HK$2.72M · min. income ≈ HK$29,108/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$122,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,894
−HK$934/mo
▼ 0.25% · 3.875%
HK$15,357
−HK$471/mo
Today · 4.125%
HK$15,828
baseline
▲ 0.50% · 4.625%
HK$16,791
+HK$963/mo
Deposit HK$2.18M · loan HK$3.27M · min. income ≈ HK$31,656/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,569
−HK$895/mo
▼ 0.25% · 3.875%
HK$17,013
−HK$451/mo
Today · 4.125%
HK$17,464
baseline
▲ 0.50% · 4.625%
HK$18,385
+HK$921/mo
Deposit HK$2.18M · loan HK$3.27M · min. income ≈ HK$34,928/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,376
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$17,916
−HK$550/mo
Today · 4.125%
HK$18,466
baseline
▲ 0.50% · 4.625%
HK$19,589
+HK$1,123/mo
Deposit HK$1.63M · loan HK$3.81M · min. income ≈ HK$36,932/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,331
−HK$1,044/mo
▼ 0.25% · 3.875%
HK$19,849
−HK$526/mo
Today · 4.125%
HK$20,375
baseline
▲ 0.50% · 4.625%
HK$21,449
+HK$1,074/mo
Deposit HK$1.63M · loan HK$3.81M · min. income ≈ HK$40,750/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,341
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$23,035
−HK$706/mo
Today · 4.125%
HK$23,741
baseline
▲ 0.50% · 4.625%
HK$25,186
+HK$1,445/mo
Deposit HK$544K · loan HK$4.90M · min. income ≈ HK$47,482/mo (50% DSR)
Upfront cash ≈ HK$667K (deposit + AVD stamp duty HK$122,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,854
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$25,520
−HK$676/mo
Today · 4.125%
HK$26,196
baseline
▲ 0.50% · 4.625%
HK$27,577
+HK$1,381/mo
Deposit HK$544K · loan HK$4.90M · min. income ≈ HK$52,392/mo (50% DSR)
Upfront cash ≈ HK$667K (deposit + AVD stamp duty HK$122,468 · 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).