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$12,480
−HK$783/mo
▼ 0.25% · 3.875%
HK$12,868
−HK$395/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$123,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,884
−HK$750/mo
▼ 0.25% · 3.875%
HK$14,256
−HK$378/mo
Today · 4.125%
HK$14,634
baseline
▲ 0.50% · 4.625%
HK$15,405
+HK$771/mo
Deposit HK$2.74M · loan HK$2.74M · min. income ≈ HK$29,268/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$123,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,976
−HK$939/mo
▼ 0.25% · 3.875%
HK$15,442
−HK$473/mo
Today · 4.125%
HK$15,915
baseline
▲ 0.50% · 4.625%
HK$16,884
+HK$969/mo
Deposit HK$2.19M · loan HK$3.28M · min. income ≈ HK$31,830/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$123,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,661
−HK$900/mo
▼ 0.25% · 3.875%
HK$17,108
−HK$453/mo
Today · 4.125%
HK$17,561
baseline
▲ 0.50% · 4.625%
HK$18,487
+HK$926/mo
Deposit HK$2.19M · loan HK$3.28M · min. income ≈ HK$35,122/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$123,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,472
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$18,016
−HK$552/mo
Today · 4.125%
HK$18,568
baseline
▲ 0.50% · 4.625%
HK$19,698
+HK$1,130/mo
Deposit HK$1.64M · loan HK$3.83M · min. income ≈ HK$37,136/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,438
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$19,959
−HK$529/mo
Today · 4.125%
HK$20,488
baseline
▲ 0.50% · 4.625%
HK$21,568
+HK$1,080/mo
Deposit HK$1.64M · loan HK$3.83M · min. income ≈ HK$40,976/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,464
−HK$1,409/mo
▼ 0.25% · 3.875%
HK$23,163
−HK$710/mo
Today · 4.125%
HK$23,873
baseline
▲ 0.50% · 4.625%
HK$25,325
+HK$1,452/mo
Deposit HK$547K · loan HK$4.93M · min. income ≈ HK$47,746/mo (50% DSR)
Upfront cash ≈ HK$670K (deposit + AVD stamp duty HK$123,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,991
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$25,661
−HK$680/mo
Today · 4.125%
HK$26,341
baseline
▲ 0.50% · 4.625%
HK$27,730
+HK$1,389/mo
Deposit HK$547K · loan HK$4.93M · min. income ≈ HK$52,682/mo (50% DSR)
Upfront cash ≈ HK$670K (deposit + AVD stamp duty HK$123,145 · 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).