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$12,434
−HK$780/mo
▼ 0.25% · 3.875%
HK$12,821
−HK$393/mo
Today · 4.125%
HK$13,214
baseline
▲ 0.50% · 4.625%
HK$14,018
+HK$804/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$26,428/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$122,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,833
−HK$747/mo
▼ 0.25% · 3.875%
HK$14,204
−HK$376/mo
Today · 4.125%
HK$14,580
baseline
▲ 0.50% · 4.625%
HK$15,348
+HK$768/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$29,160/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$122,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,921
−HK$935/mo
▼ 0.25% · 3.875%
HK$15,385
−HK$471/mo
Today · 4.125%
HK$15,856
baseline
▲ 0.50% · 4.625%
HK$16,821
+HK$965/mo
Deposit HK$2.18M · loan HK$3.27M · min. income ≈ HK$31,712/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,599
−HK$897/mo
▼ 0.25% · 3.875%
HK$17,044
−HK$452/mo
Today · 4.125%
HK$17,496
baseline
▲ 0.50% · 4.625%
HK$18,418
+HK$922/mo
Deposit HK$2.18M · loan HK$3.27M · min. income ≈ HK$34,992/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,407
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$17,949
−HK$550/mo
Today · 4.125%
HK$18,499
baseline
▲ 0.50% · 4.625%
HK$19,625
+HK$1,126/mo
Deposit HK$1.64M · loan HK$3.82M · min. income ≈ HK$36,998/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,366
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$19,885
−HK$527/mo
Today · 4.125%
HK$20,412
baseline
▲ 0.50% · 4.625%
HK$21,488
+HK$1,076/mo
Deposit HK$1.64M · loan HK$3.82M · min. income ≈ HK$40,824/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,381
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$23,077
−HK$707/mo
Today · 4.125%
HK$23,784
baseline
▲ 0.50% · 4.625%
HK$25,232
+HK$1,448/mo
Deposit HK$545K · loan HK$4.91M · min. income ≈ HK$47,568/mo (50% DSR)
Upfront cash ≈ HK$668K (deposit + AVD stamp duty HK$122,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,899
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$25,566
−HK$678/mo
Today · 4.125%
HK$26,244
baseline
▲ 0.50% · 4.625%
HK$27,627
+HK$1,383/mo
Deposit HK$545K · loan HK$4.91M · min. income ≈ HK$52,488/mo (50% DSR)
Upfront cash ≈ HK$668K (deposit + AVD stamp duty HK$122,689 · 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).