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$12,339
−HK$773/mo
▼ 0.25% · 3.875%
HK$12,722
−HK$390/mo
Today · 4.125%
HK$13,112
baseline
▲ 0.50% · 4.625%
HK$13,910
+HK$798/mo
Deposit HK$2.71M · loan HK$2.71M · min. income ≈ HK$26,224/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$121,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,727
−HK$741/mo
▼ 0.25% · 3.875%
HK$14,095
−HK$373/mo
Today · 4.125%
HK$14,468
baseline
▲ 0.50% · 4.625%
HK$15,231
+HK$763/mo
Deposit HK$2.71M · loan HK$2.71M · min. income ≈ HK$28,936/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$121,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,806
−HK$929/mo
▼ 0.25% · 3.875%
HK$15,267
−HK$468/mo
Today · 4.125%
HK$15,735
baseline
▲ 0.50% · 4.625%
HK$16,692
+HK$957/mo
Deposit HK$2.16M · loan HK$3.25M · min. income ≈ HK$31,470/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$121,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,472
−HK$890/mo
▼ 0.25% · 3.875%
HK$16,914
−HK$448/mo
Today · 4.125%
HK$17,362
baseline
▲ 0.50% · 4.625%
HK$18,277
+HK$915/mo
Deposit HK$2.16M · loan HK$3.25M · min. income ≈ HK$34,724/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$121,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,274
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$17,811
−HK$546/mo
Today · 4.125%
HK$18,357
baseline
▲ 0.50% · 4.625%
HK$19,474
+HK$1,117/mo
Deposit HK$1.62M · loan HK$3.79M · min. income ≈ HK$36,714/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$121,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,217
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$19,733
−HK$523/mo
Today · 4.125%
HK$20,256
baseline
▲ 0.50% · 4.625%
HK$21,323
+HK$1,067/mo
Deposit HK$1.62M · loan HK$3.79M · min. income ≈ HK$40,512/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$121,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,210
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$22,900
−HK$702/mo
Today · 4.125%
HK$23,602
baseline
▲ 0.50% · 4.625%
HK$25,038
+HK$1,436/mo
Deposit HK$541K · loan HK$4.87M · min. income ≈ HK$47,204/mo (50% DSR)
Upfront cash ≈ HK$663K (deposit + AVD stamp duty HK$121,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,708
−HK$1,335/mo
▼ 0.25% · 3.875%
HK$25,371
−HK$672/mo
Today · 4.125%
HK$26,043
baseline
▲ 0.50% · 4.625%
HK$27,416
+HK$1,373/mo
Deposit HK$541K · loan HK$4.87M · min. income ≈ HK$52,086/mo (50% DSR)
Upfront cash ≈ HK$663K (deposit + AVD stamp duty HK$121,750 · 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).