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$12,458
−HK$782/mo
▼ 0.25% · 3.875%
HK$12,846
−HK$394/mo
Today · 4.125%
HK$13,240
baseline
▲ 0.50% · 4.625%
HK$14,045
+HK$805/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$26,480/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$122,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,860
−HK$749/mo
▼ 0.25% · 3.875%
HK$14,231
−HK$378/mo
Today · 4.125%
HK$14,609
baseline
▲ 0.50% · 4.625%
HK$15,379
+HK$770/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$29,218/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$122,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,950
−HK$937/mo
▼ 0.25% · 3.875%
HK$15,415
−HK$472/mo
Today · 4.125%
HK$15,887
baseline
▲ 0.50% · 4.625%
HK$16,854
+HK$967/mo
Deposit HK$2.19M · loan HK$3.28M · min. income ≈ HK$31,774/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$122,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,632
−HK$898/mo
▼ 0.25% · 3.875%
HK$17,078
−HK$452/mo
Today · 4.125%
HK$17,530
baseline
▲ 0.50% · 4.625%
HK$18,454
+HK$924/mo
Deposit HK$2.19M · loan HK$3.28M · min. income ≈ HK$35,060/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$122,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,442
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$17,984
−HK$551/mo
Today · 4.125%
HK$18,535
baseline
▲ 0.50% · 4.625%
HK$19,663
+HK$1,128/mo
Deposit HK$1.64M · loan HK$3.82M · min. income ≈ HK$37,070/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,404
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$19,924
−HK$528/mo
Today · 4.125%
HK$20,452
baseline
▲ 0.50% · 4.625%
HK$21,530
+HK$1,078/mo
Deposit HK$1.64M · loan HK$3.82M · min. income ≈ HK$40,904/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,425
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$23,123
−HK$708/mo
Today · 4.125%
HK$23,831
baseline
▲ 0.50% · 4.625%
HK$25,281
+HK$1,450/mo
Deposit HK$546K · loan HK$4.92M · min. income ≈ HK$47,662/mo (50% DSR)
Upfront cash ≈ HK$669K (deposit + AVD stamp duty HK$122,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,948
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$25,617
−HK$678/mo
Today · 4.125%
HK$26,295
baseline
▲ 0.50% · 4.625%
HK$27,681
+HK$1,386/mo
Deposit HK$546K · loan HK$4.92M · min. income ≈ HK$52,590/mo (50% DSR)
Upfront cash ≈ HK$669K (deposit + AVD stamp duty HK$122,931 · 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).