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$12,395
−HK$777/mo
▼ 0.25% · 3.875%
HK$12,780
−HK$392/mo
Today · 4.125%
HK$13,172
baseline
▲ 0.50% · 4.625%
HK$13,973
+HK$801/mo
Deposit HK$2.72M · loan HK$2.72M · min. income ≈ HK$26,344/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$122,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,789
−HK$745/mo
▼ 0.25% · 3.875%
HK$14,159
−HK$375/mo
Today · 4.125%
HK$14,534
baseline
▲ 0.50% · 4.625%
HK$15,300
+HK$766/mo
Deposit HK$2.72M · loan HK$2.72M · min. income ≈ HK$29,068/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$122,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,874
−HK$932/mo
▼ 0.25% · 3.875%
HK$15,336
−HK$470/mo
Today · 4.125%
HK$15,806
baseline
▲ 0.50% · 4.625%
HK$16,768
+HK$962/mo
Deposit HK$2.17M · loan HK$3.26M · min. income ≈ HK$31,612/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,547
−HK$894/mo
▼ 0.25% · 3.875%
HK$16,990
−HK$451/mo
Today · 4.125%
HK$17,441
baseline
▲ 0.50% · 4.625%
HK$18,360
+HK$919/mo
Deposit HK$2.17M · loan HK$3.26M · min. income ≈ HK$34,882/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,352
−HK$1,089/mo
▼ 0.25% · 3.875%
HK$17,892
−HK$549/mo
Today · 4.125%
HK$18,441
baseline
▲ 0.50% · 4.625%
HK$19,563
+HK$1,122/mo
Deposit HK$1.63M · loan HK$3.80M · min. income ≈ HK$36,882/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$122,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,304
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$19,822
−HK$525/mo
Today · 4.125%
HK$20,347
baseline
▲ 0.50% · 4.625%
HK$21,420
+HK$1,073/mo
Deposit HK$1.63M · loan HK$3.80M · min. income ≈ HK$40,694/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$122,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,310
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$23,004
−HK$705/mo
Today · 4.125%
HK$23,709
baseline
▲ 0.50% · 4.625%
HK$25,152
+HK$1,443/mo
Deposit HK$544K · loan HK$4.89M · min. income ≈ HK$47,418/mo (50% DSR)
Upfront cash ≈ HK$666K (deposit + AVD stamp duty HK$122,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,820
−HK$1,341/mo
▼ 0.25% · 3.875%
HK$25,486
−HK$675/mo
Today · 4.125%
HK$26,161
baseline
▲ 0.50% · 4.625%
HK$27,540
+HK$1,379/mo
Deposit HK$544K · loan HK$4.89M · min. income ≈ HK$52,322/mo (50% DSR)
Upfront cash ≈ HK$666K (deposit + AVD stamp duty HK$122,302 · 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).