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$12,481
−HK$782/mo
▼ 0.25% · 3.875%
HK$12,869
−HK$394/mo
Today · 4.125%
HK$13,263
baseline
▲ 0.50% · 4.625%
HK$14,070
+HK$807/mo
Deposit HK$2.74M · loan HK$2.74M · min. income ≈ HK$26,526/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$123,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,885
−HK$750/mo
▼ 0.25% · 3.875%
HK$14,257
−HK$378/mo
Today · 4.125%
HK$14,635
baseline
▲ 0.50% · 4.625%
HK$15,406
+HK$771/mo
Deposit HK$2.74M · loan HK$2.74M · min. income ≈ HK$29,270/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$123,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,977
−HK$939/mo
▼ 0.25% · 3.875%
HK$15,443
−HK$473/mo
Today · 4.125%
HK$15,916
baseline
▲ 0.50% · 4.625%
HK$16,884
+HK$968/mo
Deposit HK$2.19M · loan HK$3.28M · min. income ≈ HK$31,832/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$123,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,661
−HK$901/mo
▼ 0.25% · 3.875%
HK$17,108
−HK$454/mo
Today · 4.125%
HK$17,562
baseline
▲ 0.50% · 4.625%
HK$18,487
+HK$925/mo
Deposit HK$2.19M · loan HK$3.28M · min. income ≈ HK$35,124/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$123,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,473
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$18,016
−HK$553/mo
Today · 4.125%
HK$18,569
baseline
▲ 0.50% · 4.625%
HK$19,698
+HK$1,129/mo
Deposit HK$1.64M · loan HK$3.83M · min. income ≈ HK$37,138/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,438
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$19,960
−HK$529/mo
Today · 4.125%
HK$20,489
baseline
▲ 0.50% · 4.625%
HK$21,569
+HK$1,080/mo
Deposit HK$1.64M · loan HK$3.83M · min. income ≈ HK$40,978/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,465
−HK$1,409/mo
▼ 0.25% · 3.875%
HK$23,164
−HK$710/mo
Today · 4.125%
HK$23,874
baseline
▲ 0.50% · 4.625%
HK$25,327
+HK$1,453/mo
Deposit HK$547K · loan HK$4.93M · min. income ≈ HK$47,748/mo (50% DSR)
Upfront cash ≈ HK$670K (deposit + AVD stamp duty HK$123,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,992
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$25,662
−HK$680/mo
Today · 4.125%
HK$26,342
baseline
▲ 0.50% · 4.625%
HK$27,731
+HK$1,389/mo
Deposit HK$547K · loan HK$4.93M · min. income ≈ HK$52,684/mo (50% DSR)
Upfront cash ≈ HK$670K (deposit + AVD stamp duty HK$123,151 · 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).