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$12,478
−HK$783/mo
▼ 0.25% · 3.875%
HK$12,866
−HK$395/mo
Today · 4.125%
HK$13,261
baseline
▲ 0.50% · 4.625%
HK$14,068
+HK$807/mo
Deposit HK$2.74M · loan HK$2.74M · min. income ≈ HK$26,522/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$123,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,882
−HK$750/mo
▼ 0.25% · 3.875%
HK$14,254
−HK$378/mo
Today · 4.125%
HK$14,632
baseline
▲ 0.50% · 4.625%
HK$15,403
+HK$771/mo
Deposit HK$2.74M · loan HK$2.74M · min. income ≈ HK$29,264/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$123,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,974
−HK$939/mo
▼ 0.25% · 3.875%
HK$15,440
−HK$473/mo
Today · 4.125%
HK$15,913
baseline
▲ 0.50% · 4.625%
HK$16,881
+HK$968/mo
Deposit HK$2.19M · loan HK$3.28M · min. income ≈ HK$31,826/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$123,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,658
−HK$900/mo
▼ 0.25% · 3.875%
HK$17,105
−HK$453/mo
Today · 4.125%
HK$17,558
baseline
▲ 0.50% · 4.625%
HK$18,484
+HK$926/mo
Deposit HK$2.19M · loan HK$3.28M · min. income ≈ HK$35,116/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$123,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,470
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$18,013
−HK$552/mo
Today · 4.125%
HK$18,565
baseline
▲ 0.50% · 4.625%
HK$19,695
+HK$1,130/mo
Deposit HK$1.64M · loan HK$3.83M · min. income ≈ HK$37,130/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$123,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,435
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$19,956
−HK$529/mo
Today · 4.125%
HK$20,485
baseline
▲ 0.50% · 4.625%
HK$21,564
+HK$1,079/mo
Deposit HK$1.64M · loan HK$3.83M · min. income ≈ HK$40,970/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$123,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,461
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$23,160
−HK$709/mo
Today · 4.125%
HK$23,869
baseline
▲ 0.50% · 4.625%
HK$25,322
+HK$1,453/mo
Deposit HK$547K · loan HK$4.93M · min. income ≈ HK$47,738/mo (50% DSR)
Upfront cash ≈ HK$670K (deposit + AVD stamp duty HK$123,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,987
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$25,658
−HK$679/mo
Today · 4.125%
HK$26,337
baseline
▲ 0.50% · 4.625%
HK$27,726
+HK$1,389/mo
Deposit HK$547K · loan HK$4.93M · min. income ≈ HK$52,674/mo (50% DSR)
Upfront cash ≈ HK$670K (deposit + AVD stamp duty HK$123,127 · 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).