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$12,469
−HK$782/mo
▼ 0.25% · 3.875%
HK$12,857
−HK$394/mo
Today · 4.125%
HK$13,251
baseline
▲ 0.50% · 4.625%
HK$14,057
+HK$806/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$26,502/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$123,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,871
−HK$750/mo
▼ 0.25% · 3.875%
HK$14,243
−HK$378/mo
Today · 4.125%
HK$14,621
baseline
▲ 0.50% · 4.625%
HK$15,391
+HK$770/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$29,242/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$123,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,962
−HK$939/mo
▼ 0.25% · 3.875%
HK$15,428
−HK$473/mo
Today · 4.125%
HK$15,901
baseline
▲ 0.50% · 4.625%
HK$16,868
+HK$967/mo
Deposit HK$2.19M · loan HK$3.28M · min. income ≈ HK$31,802/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$123,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,646
−HK$899/mo
▼ 0.25% · 3.875%
HK$17,092
−HK$453/mo
Today · 4.125%
HK$17,545
baseline
▲ 0.50% · 4.625%
HK$18,470
+HK$925/mo
Deposit HK$2.19M · loan HK$3.28M · min. income ≈ HK$35,090/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$123,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,456
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$17,999
−HK$552/mo
Today · 4.125%
HK$18,551
baseline
▲ 0.50% · 4.625%
HK$19,680
+HK$1,129/mo
Deposit HK$1.64M · loan HK$3.83M · min. income ≈ HK$37,102/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$123,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,420
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$19,941
−HK$528/mo
Today · 4.125%
HK$20,469
baseline
▲ 0.50% · 4.625%
HK$21,548
+HK$1,079/mo
Deposit HK$1.64M · loan HK$3.83M · min. income ≈ HK$40,938/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$123,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,444
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$23,142
−HK$709/mo
Today · 4.125%
HK$23,851
baseline
▲ 0.50% · 4.625%
HK$25,302
+HK$1,451/mo
Deposit HK$547K · loan HK$4.92M · min. income ≈ HK$47,702/mo (50% DSR)
Upfront cash ≈ HK$670K (deposit + AVD stamp duty HK$123,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,968
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$25,638
−HK$679/mo
Today · 4.125%
HK$26,317
baseline
▲ 0.50% · 4.625%
HK$27,704
+HK$1,387/mo
Deposit HK$547K · loan HK$4.92M · min. income ≈ HK$52,634/mo (50% DSR)
Upfront cash ≈ HK$670K (deposit + AVD stamp duty HK$123,033 · 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).