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$12,387
−HK$776/mo
▼ 0.25% · 3.875%
HK$12,772
−HK$391/mo
Today · 4.125%
HK$13,163
baseline
▲ 0.50% · 4.625%
HK$13,964
+HK$801/mo
Deposit HK$2.72M · loan HK$2.72M · min. income ≈ HK$26,326/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$122,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,780
−HK$744/mo
▼ 0.25% · 3.875%
HK$14,149
−HK$375/mo
Today · 4.125%
HK$14,524
baseline
▲ 0.50% · 4.625%
HK$15,290
+HK$766/mo
Deposit HK$2.72M · loan HK$2.72M · min. income ≈ HK$29,048/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$122,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,864
−HK$932/mo
▼ 0.25% · 3.875%
HK$15,326
−HK$470/mo
Today · 4.125%
HK$15,796
baseline
▲ 0.50% · 4.625%
HK$16,757
+HK$961/mo
Deposit HK$2.17M · loan HK$3.26M · min. income ≈ HK$31,592/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,536
−HK$893/mo
▼ 0.25% · 3.875%
HK$16,979
−HK$450/mo
Today · 4.125%
HK$17,429
baseline
▲ 0.50% · 4.625%
HK$18,348
+HK$919/mo
Deposit HK$2.17M · loan HK$3.26M · min. income ≈ HK$34,858/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,341
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$17,881
−HK$548/mo
Today · 4.125%
HK$18,429
baseline
▲ 0.50% · 4.625%
HK$19,550
+HK$1,121/mo
Deposit HK$1.63M · loan HK$3.80M · min. income ≈ HK$36,858/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$122,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,292
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$19,809
−HK$525/mo
Today · 4.125%
HK$20,334
baseline
▲ 0.50% · 4.625%
HK$21,406
+HK$1,072/mo
Deposit HK$1.63M · loan HK$3.80M · min. income ≈ HK$40,668/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$122,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,296
−HK$1,398/mo
▼ 0.25% · 3.875%
HK$22,989
−HK$705/mo
Today · 4.125%
HK$23,694
baseline
▲ 0.50% · 4.625%
HK$25,136
+HK$1,442/mo
Deposit HK$543K · loan HK$4.89M · min. income ≈ HK$47,388/mo (50% DSR)
Upfront cash ≈ HK$665K (deposit + AVD stamp duty HK$122,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,804
−HK$1,340/mo
▼ 0.25% · 3.875%
HK$25,469
−HK$675/mo
Today · 4.125%
HK$26,144
baseline
▲ 0.50% · 4.625%
HK$27,522
+HK$1,378/mo
Deposit HK$543K · loan HK$4.89M · min. income ≈ HK$52,288/mo (50% DSR)
Upfront cash ≈ HK$665K (deposit + AVD stamp duty HK$122,222 · 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).