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$12,282
−HK$770/mo
▼ 0.25% · 3.875%
HK$12,664
−HK$388/mo
Today · 4.125%
HK$13,052
baseline
▲ 0.50% · 4.625%
HK$13,847
+HK$795/mo
Deposit HK$2.69M · loan HK$2.69M · min. income ≈ HK$26,104/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$121,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,664
−HK$738/mo
▼ 0.25% · 3.875%
HK$14,030
−HK$372/mo
Today · 4.125%
HK$14,402
baseline
▲ 0.50% · 4.625%
HK$15,161
+HK$759/mo
Deposit HK$2.69M · loan HK$2.69M · min. income ≈ HK$28,804/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$121,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,739
−HK$924/mo
▼ 0.25% · 3.875%
HK$15,197
−HK$466/mo
Today · 4.125%
HK$15,663
baseline
▲ 0.50% · 4.625%
HK$16,616
+HK$953/mo
Deposit HK$2.15M · loan HK$3.23M · min. income ≈ HK$31,326/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,397
−HK$886/mo
▼ 0.25% · 3.875%
HK$16,836
−HK$447/mo
Today · 4.125%
HK$17,283
baseline
▲ 0.50% · 4.625%
HK$18,194
+HK$911/mo
Deposit HK$2.15M · loan HK$3.23M · min. income ≈ HK$34,566/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$121,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,195
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$17,730
−HK$543/mo
Today · 4.125%
HK$18,273
baseline
▲ 0.50% · 4.625%
HK$19,385
+HK$1,112/mo
Deposit HK$1.62M · loan HK$3.77M · min. income ≈ HK$36,546/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,129
−HK$1,034/mo
▼ 0.25% · 3.875%
HK$19,643
−HK$520/mo
Today · 4.125%
HK$20,163
baseline
▲ 0.50% · 4.625%
HK$21,226
+HK$1,063/mo
Deposit HK$1.62M · loan HK$3.77M · min. income ≈ HK$40,326/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,108
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$22,796
−HK$698/mo
Today · 4.125%
HK$23,494
baseline
▲ 0.50% · 4.625%
HK$24,924
+HK$1,430/mo
Deposit HK$539K · loan HK$4.85M · min. income ≈ HK$46,988/mo (50% DSR)
Upfront cash ≈ HK$660K (deposit + AVD stamp duty HK$121,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,595
−HK$1,329/mo
▼ 0.25% · 3.875%
HK$25,255
−HK$669/mo
Today · 4.125%
HK$25,924
baseline
▲ 0.50% · 4.625%
HK$27,290
+HK$1,366/mo
Deposit HK$539K · loan HK$4.85M · min. income ≈ HK$51,848/mo (50% DSR)
Upfront cash ≈ HK$660K (deposit + AVD stamp duty HK$121,194 · 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).