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$12,468
−HK$782/mo
▼ 0.25% · 3.875%
HK$12,856
−HK$394/mo
Today · 4.125%
HK$13,250
baseline
▲ 0.50% · 4.625%
HK$14,056
+HK$806/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$26,500/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$123,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,870
−HK$750/mo
▼ 0.25% · 3.875%
HK$14,242
−HK$378/mo
Today · 4.125%
HK$14,620
baseline
▲ 0.50% · 4.625%
HK$15,390
+HK$770/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$29,240/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$123,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,961
−HK$939/mo
▼ 0.25% · 3.875%
HK$15,427
−HK$473/mo
Today · 4.125%
HK$15,900
baseline
▲ 0.50% · 4.625%
HK$16,867
+HK$967/mo
Deposit HK$2.19M · loan HK$3.28M · min. income ≈ HK$31,800/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$123,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,644
−HK$900/mo
▼ 0.25% · 3.875%
HK$17,091
−HK$453/mo
Today · 4.125%
HK$17,544
baseline
▲ 0.50% · 4.625%
HK$18,468
+HK$924/mo
Deposit HK$2.19M · loan HK$3.28M · min. income ≈ HK$35,088/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$123,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,455
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$17,998
−HK$552/mo
Today · 4.125%
HK$18,550
baseline
▲ 0.50% · 4.625%
HK$19,678
+HK$1,128/mo
Deposit HK$1.64M · loan HK$3.83M · min. income ≈ HK$37,100/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$123,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,419
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$19,939
−HK$529/mo
Today · 4.125%
HK$20,468
baseline
▲ 0.50% · 4.625%
HK$21,547
+HK$1,079/mo
Deposit HK$1.64M · loan HK$3.83M · min. income ≈ HK$40,936/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$123,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,442
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$23,140
−HK$709/mo
Today · 4.125%
HK$23,849
baseline
▲ 0.50% · 4.625%
HK$25,301
+HK$1,452/mo
Deposit HK$547K · loan HK$4.92M · min. income ≈ HK$47,698/mo (50% DSR)
Upfront cash ≈ HK$670K (deposit + AVD stamp duty HK$123,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,967
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$25,636
−HK$680/mo
Today · 4.125%
HK$26,316
baseline
▲ 0.50% · 4.625%
HK$27,703
+HK$1,387/mo
Deposit HK$547K · loan HK$4.92M · min. income ≈ HK$52,632/mo (50% DSR)
Upfront cash ≈ HK$670K (deposit + AVD stamp duty HK$123,025 · 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).