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$12,438
−HK$780/mo
▼ 0.25% · 3.875%
HK$12,825
−HK$393/mo
Today · 4.125%
HK$13,218
baseline
▲ 0.50% · 4.625%
HK$14,022
+HK$804/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$26,436/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$122,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,837
−HK$747/mo
▼ 0.25% · 3.875%
HK$14,208
−HK$376/mo
Today · 4.125%
HK$14,584
baseline
▲ 0.50% · 4.625%
HK$15,353
+HK$769/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$29,168/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$122,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,925
−HK$936/mo
▼ 0.25% · 3.875%
HK$15,390
−HK$471/mo
Today · 4.125%
HK$15,861
baseline
▲ 0.50% · 4.625%
HK$16,826
+HK$965/mo
Deposit HK$2.18M · loan HK$3.27M · min. income ≈ HK$31,722/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,604
−HK$897/mo
▼ 0.25% · 3.875%
HK$17,050
−HK$451/mo
Today · 4.125%
HK$17,501
baseline
▲ 0.50% · 4.625%
HK$18,424
+HK$923/mo
Deposit HK$2.18M · loan HK$3.27M · min. income ≈ HK$35,002/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,413
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$17,954
−HK$551/mo
Today · 4.125%
HK$18,505
baseline
▲ 0.50% · 4.625%
HK$19,631
+HK$1,126/mo
Deposit HK$1.64M · loan HK$3.82M · min. income ≈ HK$37,010/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,372
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$19,891
−HK$527/mo
Today · 4.125%
HK$20,418
baseline
▲ 0.50% · 4.625%
HK$21,494
+HK$1,076/mo
Deposit HK$1.64M · loan HK$3.82M · min. income ≈ HK$40,836/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,388
−HK$1,404/mo
▼ 0.25% · 3.875%
HK$23,084
−HK$708/mo
Today · 4.125%
HK$23,792
baseline
▲ 0.50% · 4.625%
HK$25,239
+HK$1,447/mo
Deposit HK$545K · loan HK$4.91M · min. income ≈ HK$47,584/mo (50% DSR)
Upfront cash ≈ HK$668K (deposit + AVD stamp duty HK$122,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,906
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$25,574
−HK$678/mo
Today · 4.125%
HK$26,252
baseline
▲ 0.50% · 4.625%
HK$27,636
+HK$1,384/mo
Deposit HK$545K · loan HK$4.91M · min. income ≈ HK$52,504/mo (50% DSR)
Upfront cash ≈ HK$668K (deposit + AVD stamp duty HK$122,727 · 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).