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$12,513
−HK$785/mo
▼ 0.25% · 3.875%
HK$12,903
−HK$395/mo
Today · 4.125%
HK$13,298
baseline
▲ 0.50% · 4.625%
HK$14,107
+HK$809/mo
Deposit HK$2.74M · loan HK$2.74M · min. income ≈ HK$26,596/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$123,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,921
−HK$752/mo
▼ 0.25% · 3.875%
HK$14,294
−HK$379/mo
Today · 4.125%
HK$14,673
baseline
▲ 0.50% · 4.625%
HK$15,446
+HK$773/mo
Deposit HK$2.74M · loan HK$2.74M · min. income ≈ HK$29,346/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$123,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,016
−HK$942/mo
▼ 0.25% · 3.875%
HK$15,483
−HK$475/mo
Today · 4.125%
HK$15,958
baseline
▲ 0.50% · 4.625%
HK$16,929
+HK$971/mo
Deposit HK$2.20M · loan HK$3.29M · min. income ≈ HK$31,916/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,705
−HK$903/mo
▼ 0.25% · 3.875%
HK$17,153
−HK$455/mo
Today · 4.125%
HK$17,608
baseline
▲ 0.50% · 4.625%
HK$18,536
+HK$928/mo
Deposit HK$2.20M · loan HK$3.29M · min. income ≈ HK$35,216/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,519
−HK$1,098/mo
▼ 0.25% · 3.875%
HK$18,064
−HK$553/mo
Today · 4.125%
HK$18,617
baseline
▲ 0.50% · 4.625%
HK$19,750
+HK$1,133/mo
Deposit HK$1.65M · loan HK$3.84M · min. income ≈ HK$37,234/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,489
−HK$1,053/mo
▼ 0.25% · 3.875%
HK$20,012
−HK$530/mo
Today · 4.125%
HK$20,542
baseline
▲ 0.50% · 4.625%
HK$21,625
+HK$1,083/mo
Deposit HK$1.65M · loan HK$3.84M · min. income ≈ HK$41,084/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,524
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$23,225
−HK$711/mo
Today · 4.125%
HK$23,936
baseline
▲ 0.50% · 4.625%
HK$25,393
+HK$1,457/mo
Deposit HK$549K · loan HK$4.94M · min. income ≈ HK$47,872/mo (50% DSR)
Upfront cash ≈ HK$672K (deposit + AVD stamp duty HK$123,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,058
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$25,730
−HK$681/mo
Today · 4.125%
HK$26,411
baseline
▲ 0.50% · 4.625%
HK$27,804
+HK$1,393/mo
Deposit HK$549K · loan HK$4.94M · min. income ≈ HK$52,822/mo (50% DSR)
Upfront cash ≈ HK$672K (deposit + AVD stamp duty HK$123,473 · 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).