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$12,366
−HK$775/mo
▼ 0.25% · 3.875%
HK$12,750
−HK$391/mo
Today · 4.125%
HK$13,141
baseline
▲ 0.50% · 4.625%
HK$13,941
+HK$800/mo
Deposit HK$2.71M · loan HK$2.71M · min. income ≈ HK$26,282/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$122,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,757
−HK$743/mo
▼ 0.25% · 3.875%
HK$14,126
−HK$374/mo
Today · 4.125%
HK$14,500
baseline
▲ 0.50% · 4.625%
HK$15,264
+HK$764/mo
Deposit HK$2.71M · loan HK$2.71M · min. income ≈ HK$29,000/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$122,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,839
−HK$931/mo
▼ 0.25% · 3.875%
HK$15,301
−HK$469/mo
Today · 4.125%
HK$15,770
baseline
▲ 0.50% · 4.625%
HK$16,729
+HK$959/mo
Deposit HK$2.17M · loan HK$3.25M · min. income ≈ HK$31,540/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$122,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,508
−HK$892/mo
▼ 0.25% · 3.875%
HK$16,951
−HK$449/mo
Today · 4.125%
HK$17,400
baseline
▲ 0.50% · 4.625%
HK$18,317
+HK$917/mo
Deposit HK$2.17M · loan HK$3.25M · min. income ≈ HK$34,800/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$122,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,312
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$17,851
−HK$547/mo
Today · 4.125%
HK$18,398
baseline
▲ 0.50% · 4.625%
HK$19,517
+HK$1,119/mo
Deposit HK$1.63M · loan HK$3.80M · min. income ≈ HK$36,796/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$122,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,260
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$19,776
−HK$524/mo
Today · 4.125%
HK$20,300
baseline
▲ 0.50% · 4.625%
HK$21,370
+HK$1,070/mo
Deposit HK$1.63M · loan HK$3.80M · min. income ≈ HK$40,600/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$122,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,258
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$22,951
−HK$703/mo
Today · 4.125%
HK$23,654
baseline
▲ 0.50% · 4.625%
HK$25,094
+HK$1,440/mo
Deposit HK$542K · loan HK$4.88M · min. income ≈ HK$47,308/mo (50% DSR)
Upfront cash ≈ HK$664K (deposit + AVD stamp duty HK$122,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,762
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$25,426
−HK$674/mo
Today · 4.125%
HK$26,100
baseline
▲ 0.50% · 4.625%
HK$27,476
+HK$1,376/mo
Deposit HK$542K · loan HK$4.88M · min. income ≈ HK$52,200/mo (50% DSR)
Upfront cash ≈ HK$664K (deposit + AVD stamp duty HK$122,018 · 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).