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$12,380
−HK$777/mo
▼ 0.25% · 3.875%
HK$12,765
−HK$392/mo
Today · 4.125%
HK$13,157
baseline
▲ 0.50% · 4.625%
HK$13,957
+HK$800/mo
Deposit HK$2.71M · loan HK$2.71M · min. income ≈ HK$26,314/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$122,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,773
−HK$744/mo
▼ 0.25% · 3.875%
HK$14,142
−HK$375/mo
Today · 4.125%
HK$14,517
baseline
▲ 0.50% · 4.625%
HK$15,282
+HK$765/mo
Deposit HK$2.71M · loan HK$2.71M · min. income ≈ HK$29,034/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$122,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,856
−HK$932/mo
▼ 0.25% · 3.875%
HK$15,318
−HK$470/mo
Today · 4.125%
HK$15,788
baseline
▲ 0.50% · 4.625%
HK$16,748
+HK$960/mo
Deposit HK$2.17M · loan HK$3.26M · min. income ≈ HK$31,576/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$122,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,527
−HK$893/mo
▼ 0.25% · 3.875%
HK$16,971
−HK$449/mo
Today · 4.125%
HK$17,420
baseline
▲ 0.50% · 4.625%
HK$18,339
+HK$919/mo
Deposit HK$2.17M · loan HK$3.26M · min. income ≈ HK$34,840/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$122,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,332
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$17,871
−HK$548/mo
Today · 4.125%
HK$18,419
baseline
▲ 0.50% · 4.625%
HK$19,540
+HK$1,121/mo
Deposit HK$1.63M · loan HK$3.80M · min. income ≈ HK$36,838/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$122,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,282
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$19,799
−HK$525/mo
Today · 4.125%
HK$20,324
baseline
▲ 0.50% · 4.625%
HK$21,395
+HK$1,071/mo
Deposit HK$1.63M · loan HK$3.80M · min. income ≈ HK$40,648/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$122,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,284
−HK$1,398/mo
▼ 0.25% · 3.875%
HK$22,977
−HK$705/mo
Today · 4.125%
HK$23,682
baseline
▲ 0.50% · 4.625%
HK$25,123
+HK$1,441/mo
Deposit HK$543K · loan HK$4.89M · min. income ≈ HK$47,364/mo (50% DSR)
Upfront cash ≈ HK$665K (deposit + AVD stamp duty HK$122,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,791
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$25,456
−HK$674/mo
Today · 4.125%
HK$26,130
baseline
▲ 0.50% · 4.625%
HK$27,508
+HK$1,378/mo
Deposit HK$543K · loan HK$4.89M · min. income ≈ HK$52,260/mo (50% DSR)
Upfront cash ≈ HK$665K (deposit + AVD stamp duty HK$122,160 · 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).