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$12,389
−HK$777/mo
▼ 0.25% · 3.875%
HK$12,775
−HK$391/mo
Today · 4.125%
HK$13,166
baseline
▲ 0.50% · 4.625%
HK$13,967
+HK$801/mo
Deposit HK$2.72M · loan HK$2.72M · min. income ≈ HK$26,332/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$122,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,783
−HK$744/mo
▼ 0.25% · 3.875%
HK$14,152
−HK$375/mo
Today · 4.125%
HK$14,527
baseline
▲ 0.50% · 4.625%
HK$15,293
+HK$766/mo
Deposit HK$2.72M · loan HK$2.72M · min. income ≈ HK$29,054/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$122,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,867
−HK$932/mo
▼ 0.25% · 3.875%
HK$15,329
−HK$470/mo
Today · 4.125%
HK$15,799
baseline
▲ 0.50% · 4.625%
HK$16,761
+HK$962/mo
Deposit HK$2.17M · loan HK$3.26M · min. income ≈ HK$31,598/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,539
−HK$894/mo
▼ 0.25% · 3.875%
HK$16,983
−HK$450/mo
Today · 4.125%
HK$17,433
baseline
▲ 0.50% · 4.625%
HK$18,352
+HK$919/mo
Deposit HK$2.17M · loan HK$3.26M · min. income ≈ HK$34,866/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,345
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$17,884
−HK$548/mo
Today · 4.125%
HK$18,432
baseline
▲ 0.50% · 4.625%
HK$19,554
+HK$1,122/mo
Deposit HK$1.63M · loan HK$3.80M · min. income ≈ HK$36,864/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$122,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,296
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$19,813
−HK$525/mo
Today · 4.125%
HK$20,338
baseline
▲ 0.50% · 4.625%
HK$21,410
+HK$1,072/mo
Deposit HK$1.63M · loan HK$3.80M · min. income ≈ HK$40,676/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$122,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,300
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$22,994
−HK$705/mo
Today · 4.125%
HK$23,699
baseline
▲ 0.50% · 4.625%
HK$25,141
+HK$1,442/mo
Deposit HK$543K · loan HK$4.89M · min. income ≈ HK$47,398/mo (50% DSR)
Upfront cash ≈ HK$666K (deposit + AVD stamp duty HK$122,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,809
−HK$1,340/mo
▼ 0.25% · 3.875%
HK$25,474
−HK$675/mo
Today · 4.125%
HK$26,149
baseline
▲ 0.50% · 4.625%
HK$27,528
+HK$1,379/mo
Deposit HK$543K · loan HK$4.89M · min. income ≈ HK$52,298/mo (50% DSR)
Upfront cash ≈ HK$666K (deposit + AVD stamp duty HK$122,248 · 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).