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$12,479
−HK$782/mo
▼ 0.25% · 3.875%
HK$12,867
−HK$394/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$123,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,882
−HK$750/mo
▼ 0.25% · 3.875%
HK$14,255
−HK$377/mo
Today · 4.125%
HK$14,632
baseline
▲ 0.50% · 4.625%
HK$15,404
+HK$772/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$123,131 · 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$16,882
+HK$969/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$123,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,659
−HK$900/mo
▼ 0.25% · 3.875%
HK$17,106
−HK$453/mo
Today · 4.125%
HK$17,559
baseline
▲ 0.50% · 4.625%
HK$18,484
+HK$925/mo
Deposit HK$2.19M · loan HK$3.28M · min. income ≈ HK$35,118/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$123,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,470
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$18,014
−HK$552/mo
Today · 4.125%
HK$18,566
baseline
▲ 0.50% · 4.625%
HK$19,695
+HK$1,129/mo
Deposit HK$1.64M · loan HK$3.83M · min. income ≈ HK$37,132/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$123,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,435
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$19,957
−HK$528/mo
Today · 4.125%
HK$20,485
baseline
▲ 0.50% · 4.625%
HK$21,565
+HK$1,080/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$123,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,462
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$23,160
−HK$710/mo
Today · 4.125%
HK$23,870
baseline
▲ 0.50% · 4.625%
HK$25,323
+HK$1,453/mo
Deposit HK$547K · loan HK$4.93M · min. income ≈ HK$47,740/mo (50% DSR)
Upfront cash ≈ HK$670K (deposit + AVD stamp duty HK$123,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,988
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$25,658
−HK$680/mo
Today · 4.125%
HK$26,338
baseline
▲ 0.50% · 4.625%
HK$27,727
+HK$1,389/mo
Deposit HK$547K · loan HK$4.93M · min. income ≈ HK$52,676/mo (50% DSR)
Upfront cash ≈ HK$670K (deposit + AVD stamp duty HK$123,131 · 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).