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$12,364
−HK$775/mo
▼ 0.25% · 3.875%
HK$12,749
−HK$390/mo
Today · 4.125%
HK$13,139
baseline
▲ 0.50% · 4.625%
HK$13,939
+HK$800/mo
Deposit HK$2.71M · loan HK$2.71M · min. income ≈ HK$26,278/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$121,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,755
−HK$743/mo
▼ 0.25% · 3.875%
HK$14,124
−HK$374/mo
Today · 4.125%
HK$14,498
baseline
▲ 0.50% · 4.625%
HK$15,262
+HK$764/mo
Deposit HK$2.71M · loan HK$2.71M · min. income ≈ HK$28,996/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$121,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,837
−HK$930/mo
▼ 0.25% · 3.875%
HK$15,298
−HK$469/mo
Today · 4.125%
HK$15,767
baseline
▲ 0.50% · 4.625%
HK$16,726
+HK$959/mo
Deposit HK$2.17M · loan HK$3.25M · min. income ≈ HK$31,534/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$121,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,506
−HK$891/mo
▼ 0.25% · 3.875%
HK$16,948
−HK$449/mo
Today · 4.125%
HK$17,397
baseline
▲ 0.50% · 4.625%
HK$18,314
+HK$917/mo
Deposit HK$2.17M · loan HK$3.25M · min. income ≈ HK$34,794/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$121,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,309
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$17,848
−HK$547/mo
Today · 4.125%
HK$18,395
baseline
▲ 0.50% · 4.625%
HK$19,514
+HK$1,119/mo
Deposit HK$1.63M · loan HK$3.80M · min. income ≈ HK$36,790/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$121,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,257
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$19,773
−HK$524/mo
Today · 4.125%
HK$20,297
baseline
▲ 0.50% · 4.625%
HK$21,367
+HK$1,070/mo
Deposit HK$1.63M · loan HK$3.80M · min. income ≈ HK$40,594/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$121,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,255
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$22,947
−HK$704/mo
Today · 4.125%
HK$23,651
baseline
▲ 0.50% · 4.625%
HK$25,090
+HK$1,439/mo
Deposit HK$542K · loan HK$4.88M · min. income ≈ HK$47,302/mo (50% DSR)
Upfront cash ≈ HK$664K (deposit + AVD stamp duty HK$121,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,759
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$25,423
−HK$673/mo
Today · 4.125%
HK$26,096
baseline
▲ 0.50% · 4.625%
HK$27,472
+HK$1,376/mo
Deposit HK$542K · loan HK$4.88M · min. income ≈ HK$52,192/mo (50% DSR)
Upfront cash ≈ HK$664K (deposit + AVD stamp duty HK$121,999 · 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).