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$12,427
−HK$779/mo
▼ 0.25% · 3.875%
HK$12,813
−HK$393/mo
Today · 4.125%
HK$13,206
baseline
▲ 0.50% · 4.625%
HK$14,010
+HK$804/mo
Deposit HK$2.72M · loan HK$2.72M · min. income ≈ HK$26,412/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$122,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,825
−HK$747/mo
▼ 0.25% · 3.875%
HK$14,195
−HK$377/mo
Today · 4.125%
HK$14,572
baseline
▲ 0.50% · 4.625%
HK$15,340
+HK$768/mo
Deposit HK$2.72M · loan HK$2.72M · min. income ≈ HK$29,144/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$122,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,912
−HK$935/mo
▼ 0.25% · 3.875%
HK$15,376
−HK$471/mo
Today · 4.125%
HK$15,847
baseline
▲ 0.50% · 4.625%
HK$16,812
+HK$965/mo
Deposit HK$2.18M · loan HK$3.27M · min. income ≈ HK$31,694/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,590
−HK$896/mo
▼ 0.25% · 3.875%
HK$17,035
−HK$451/mo
Today · 4.125%
HK$17,486
baseline
▲ 0.50% · 4.625%
HK$18,408
+HK$922/mo
Deposit HK$2.18M · loan HK$3.27M · min. income ≈ HK$34,972/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,397
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$17,939
−HK$549/mo
Today · 4.125%
HK$18,488
baseline
▲ 0.50% · 4.625%
HK$19,613
+HK$1,125/mo
Deposit HK$1.63M · loan HK$3.81M · min. income ≈ HK$36,976/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,355
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$19,874
−HK$526/mo
Today · 4.125%
HK$20,400
baseline
▲ 0.50% · 4.625%
HK$21,476
+HK$1,076/mo
Deposit HK$1.63M · loan HK$3.81M · min. income ≈ HK$40,800/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,368
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$23,064
−HK$707/mo
Today · 4.125%
HK$23,771
baseline
▲ 0.50% · 4.625%
HK$25,217
+HK$1,446/mo
Deposit HK$545K · loan HK$4.90M · min. income ≈ HK$47,542/mo (50% DSR)
Upfront cash ≈ HK$668K (deposit + AVD stamp duty HK$122,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,884
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$25,552
−HK$677/mo
Today · 4.125%
HK$26,229
baseline
▲ 0.50% · 4.625%
HK$27,611
+HK$1,382/mo
Deposit HK$545K · loan HK$4.90M · min. income ≈ HK$52,458/mo (50% DSR)
Upfront cash ≈ HK$668K (deposit + AVD stamp duty HK$122,619 · 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).