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$12,503
−HK$784/mo
▼ 0.25% · 3.875%
HK$12,892
−HK$395/mo
Today · 4.125%
HK$13,287
baseline
▲ 0.50% · 4.625%
HK$14,096
+HK$809/mo
Deposit HK$2.74M · loan HK$2.74M · min. income ≈ HK$26,574/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$123,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,910
−HK$751/mo
▼ 0.25% · 3.875%
HK$14,283
−HK$378/mo
Today · 4.125%
HK$14,661
baseline
▲ 0.50% · 4.625%
HK$15,434
+HK$773/mo
Deposit HK$2.74M · loan HK$2.74M · min. income ≈ HK$29,322/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$123,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,004
−HK$941/mo
▼ 0.25% · 3.875%
HK$15,470
−HK$475/mo
Today · 4.125%
HK$15,945
baseline
▲ 0.50% · 4.625%
HK$16,915
+HK$970/mo
Deposit HK$2.19M · loan HK$3.29M · min. income ≈ HK$31,890/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,691
−HK$902/mo
▼ 0.25% · 3.875%
HK$17,139
−HK$454/mo
Today · 4.125%
HK$17,593
baseline
▲ 0.50% · 4.625%
HK$18,521
+HK$928/mo
Deposit HK$2.19M · loan HK$3.29M · min. income ≈ HK$35,186/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,504
−HK$1,098/mo
▼ 0.25% · 3.875%
HK$18,049
−HK$553/mo
Today · 4.125%
HK$18,602
baseline
▲ 0.50% · 4.625%
HK$19,734
+HK$1,132/mo
Deposit HK$1.64M · loan HK$3.84M · min. income ≈ HK$37,204/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,473
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$19,996
−HK$529/mo
Today · 4.125%
HK$20,525
baseline
▲ 0.50% · 4.625%
HK$21,607
+HK$1,082/mo
Deposit HK$1.64M · loan HK$3.84M · min. income ≈ HK$41,050/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,506
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$23,206
−HK$711/mo
Today · 4.125%
HK$23,917
baseline
▲ 0.50% · 4.625%
HK$25,372
+HK$1,455/mo
Deposit HK$548K · loan HK$4.93M · min. income ≈ HK$47,834/mo (50% DSR)
Upfront cash ≈ HK$672K (deposit + AVD stamp duty HK$123,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,037
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$25,709
−HK$681/mo
Today · 4.125%
HK$26,390
baseline
▲ 0.50% · 4.625%
HK$27,781
+HK$1,391/mo
Deposit HK$548K · loan HK$4.93M · min. income ≈ HK$52,780/mo (50% DSR)
Upfront cash ≈ HK$672K (deposit + AVD stamp duty HK$123,372 · 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).