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$12,483
−HK$783/mo
▼ 0.25% · 3.875%
HK$12,872
−HK$394/mo
Today · 4.125%
HK$13,266
baseline
▲ 0.50% · 4.625%
HK$14,073
+HK$807/mo
Deposit HK$2.74M · loan HK$2.74M · min. income ≈ HK$26,532/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$123,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,888
−HK$750/mo
▼ 0.25% · 3.875%
HK$14,260
−HK$378/mo
Today · 4.125%
HK$14,638
baseline
▲ 0.50% · 4.625%
HK$15,410
+HK$772/mo
Deposit HK$2.74M · loan HK$2.74M · min. income ≈ HK$29,276/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$123,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,980
−HK$939/mo
▼ 0.25% · 3.875%
HK$15,446
−HK$473/mo
Today · 4.125%
HK$15,919
baseline
▲ 0.50% · 4.625%
HK$16,888
+HK$969/mo
Deposit HK$2.19M · loan HK$3.28M · min. income ≈ HK$31,838/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$123,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,665
−HK$901/mo
▼ 0.25% · 3.875%
HK$17,112
−HK$454/mo
Today · 4.125%
HK$17,566
baseline
▲ 0.50% · 4.625%
HK$18,491
+HK$925/mo
Deposit HK$2.19M · loan HK$3.28M · min. income ≈ HK$35,132/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$123,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,477
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$18,020
−HK$553/mo
Today · 4.125%
HK$18,573
baseline
▲ 0.50% · 4.625%
HK$19,703
+HK$1,130/mo
Deposit HK$1.64M · loan HK$3.83M · min. income ≈ HK$37,146/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,443
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$19,964
−HK$529/mo
Today · 4.125%
HK$20,493
baseline
▲ 0.50% · 4.625%
HK$21,573
+HK$1,080/mo
Deposit HK$1.64M · loan HK$3.83M · min. income ≈ HK$40,986/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,470
−HK$1,409/mo
▼ 0.25% · 3.875%
HK$23,169
−HK$710/mo
Today · 4.125%
HK$23,879
baseline
▲ 0.50% · 4.625%
HK$25,332
+HK$1,453/mo
Deposit HK$547K · loan HK$4.93M · min. income ≈ HK$47,758/mo (50% DSR)
Upfront cash ≈ HK$671K (deposit + AVD stamp duty HK$123,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,998
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$25,668
−HK$680/mo
Today · 4.125%
HK$26,348
baseline
▲ 0.50% · 4.625%
HK$27,737
+HK$1,389/mo
Deposit HK$547K · loan HK$4.93M · min. income ≈ HK$52,696/mo (50% DSR)
Upfront cash ≈ HK$671K (deposit + AVD stamp duty HK$123,178 · 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).