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$12,406
−HK$778/mo
▼ 0.25% · 3.875%
HK$12,792
−HK$392/mo
Today · 4.125%
HK$13,184
baseline
▲ 0.50% · 4.625%
HK$13,986
+HK$802/mo
Deposit HK$2.72M · loan HK$2.72M · min. income ≈ HK$26,368/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$122,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,802
−HK$745/mo
▼ 0.25% · 3.875%
HK$14,172
−HK$375/mo
Today · 4.125%
HK$14,547
baseline
▲ 0.50% · 4.625%
HK$15,314
+HK$767/mo
Deposit HK$2.72M · loan HK$2.72M · min. income ≈ HK$29,094/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$122,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,887
−HK$934/mo
▼ 0.25% · 3.875%
HK$15,350
−HK$471/mo
Today · 4.125%
HK$15,821
baseline
▲ 0.50% · 4.625%
HK$16,784
+HK$963/mo
Deposit HK$2.18M · loan HK$3.26M · min. income ≈ HK$31,642/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,562
−HK$895/mo
▼ 0.25% · 3.875%
HK$17,006
−HK$451/mo
Today · 4.125%
HK$17,457
baseline
▲ 0.50% · 4.625%
HK$18,377
+HK$920/mo
Deposit HK$2.18M · loan HK$3.26M · min. income ≈ HK$34,914/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,369
−HK$1,089/mo
▼ 0.25% · 3.875%
HK$17,909
−HK$549/mo
Today · 4.125%
HK$18,458
baseline
▲ 0.50% · 4.625%
HK$19,581
+HK$1,123/mo
Deposit HK$1.63M · loan HK$3.81M · min. income ≈ HK$36,916/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$122,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,322
−HK$1,044/mo
▼ 0.25% · 3.875%
HK$19,840
−HK$526/mo
Today · 4.125%
HK$20,366
baseline
▲ 0.50% · 4.625%
HK$21,440
+HK$1,074/mo
Deposit HK$1.63M · loan HK$3.81M · min. income ≈ HK$40,732/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$122,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,331
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$23,026
−HK$705/mo
Today · 4.125%
HK$23,731
baseline
▲ 0.50% · 4.625%
HK$25,175
+HK$1,444/mo
Deposit HK$544K · loan HK$4.90M · min. income ≈ HK$47,462/mo (50% DSR)
Upfront cash ≈ HK$666K (deposit + AVD stamp duty HK$122,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,843
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$25,509
−HK$676/mo
Today · 4.125%
HK$26,185
baseline
▲ 0.50% · 4.625%
HK$27,565
+HK$1,380/mo
Deposit HK$544K · loan HK$4.90M · min. income ≈ HK$52,370/mo (50% DSR)
Upfront cash ≈ HK$666K (deposit + AVD stamp duty HK$122,415 · 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).