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$12,465
−HK$782/mo
▼ 0.25% · 3.875%
HK$12,853
−HK$394/mo
Today · 4.125%
HK$13,247
baseline
▲ 0.50% · 4.625%
HK$14,053
+HK$806/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$26,494/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$122,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,867
−HK$750/mo
▼ 0.25% · 3.875%
HK$14,239
−HK$378/mo
Today · 4.125%
HK$14,617
baseline
▲ 0.50% · 4.625%
HK$15,387
+HK$770/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$29,234/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$122,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,958
−HK$938/mo
▼ 0.25% · 3.875%
HK$15,423
−HK$473/mo
Today · 4.125%
HK$15,896
baseline
▲ 0.50% · 4.625%
HK$16,863
+HK$967/mo
Deposit HK$2.19M · loan HK$3.28M · min. income ≈ HK$31,792/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$122,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,641
−HK$899/mo
▼ 0.25% · 3.875%
HK$17,087
−HK$453/mo
Today · 4.125%
HK$17,540
baseline
▲ 0.50% · 4.625%
HK$18,464
+HK$924/mo
Deposit HK$2.19M · loan HK$3.28M · min. income ≈ HK$35,080/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$122,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,451
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$17,994
−HK$552/mo
Today · 4.125%
HK$18,546
baseline
▲ 0.50% · 4.625%
HK$19,674
+HK$1,128/mo
Deposit HK$1.64M · loan HK$3.83M · min. income ≈ HK$37,092/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,414
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$19,935
−HK$528/mo
Today · 4.125%
HK$20,463
baseline
▲ 0.50% · 4.625%
HK$21,542
+HK$1,079/mo
Deposit HK$1.64M · loan HK$3.83M · min. income ≈ HK$40,926/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,437
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$23,135
−HK$709/mo
Today · 4.125%
HK$23,844
baseline
▲ 0.50% · 4.625%
HK$25,295
+HK$1,451/mo
Deposit HK$547K · loan HK$4.92M · min. income ≈ HK$47,688/mo (50% DSR)
Upfront cash ≈ HK$670K (deposit + AVD stamp duty HK$122,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,961
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$25,631
−HK$679/mo
Today · 4.125%
HK$26,310
baseline
▲ 0.50% · 4.625%
HK$27,697
+HK$1,387/mo
Deposit HK$547K · loan HK$4.92M · min. income ≈ HK$52,620/mo (50% DSR)
Upfront cash ≈ HK$670K (deposit + AVD stamp duty HK$122,998 · 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).