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$12,427
−HK$780/mo
▼ 0.25% · 3.875%
HK$12,814
−HK$393/mo
Today · 4.125%
HK$13,207
baseline
▲ 0.50% · 4.625%
HK$14,010
+HK$803/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$26,414/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$122,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,825
−HK$747/mo
▼ 0.25% · 3.875%
HK$14,196
−HK$376/mo
Today · 4.125%
HK$14,572
baseline
▲ 0.50% · 4.625%
HK$15,340
+HK$768/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$29,144/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$122,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,913
−HK$935/mo
▼ 0.25% · 3.875%
HK$15,377
−HK$471/mo
Today · 4.125%
HK$15,848
baseline
▲ 0.50% · 4.625%
HK$16,812
+HK$964/mo
Deposit HK$2.18M · loan HK$3.27M · min. income ≈ HK$31,696/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,590
−HK$897/mo
▼ 0.25% · 3.875%
HK$17,035
−HK$452/mo
Today · 4.125%
HK$17,487
baseline
▲ 0.50% · 4.625%
HK$18,409
+HK$922/mo
Deposit HK$2.18M · loan HK$3.27M · min. income ≈ HK$34,974/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,398
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$17,940
−HK$549/mo
Today · 4.125%
HK$18,489
baseline
▲ 0.50% · 4.625%
HK$19,614
+HK$1,125/mo
Deposit HK$1.64M · loan HK$3.82M · min. income ≈ HK$36,978/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,356
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$19,875
−HK$526/mo
Today · 4.125%
HK$20,401
baseline
▲ 0.50% · 4.625%
HK$21,477
+HK$1,076/mo
Deposit HK$1.64M · loan HK$3.82M · min. income ≈ HK$40,802/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,369
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$23,065
−HK$707/mo
Today · 4.125%
HK$23,772
baseline
▲ 0.50% · 4.625%
HK$25,219
+HK$1,447/mo
Deposit HK$545K · loan HK$4.91M · min. income ≈ HK$47,544/mo (50% DSR)
Upfront cash ≈ HK$668K (deposit + AVD stamp duty HK$122,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,886
−HK$1,344/mo
▼ 0.25% · 3.875%
HK$25,553
−HK$677/mo
Today · 4.125%
HK$26,230
baseline
▲ 0.50% · 4.625%
HK$27,613
+HK$1,383/mo
Deposit HK$545K · loan HK$4.91M · min. income ≈ HK$52,460/mo (50% DSR)
Upfront cash ≈ HK$668K (deposit + AVD stamp duty HK$122,626 · 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).