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$12,511
−HK$784/mo
▼ 0.25% · 3.875%
HK$12,900
−HK$395/mo
Today · 4.125%
HK$13,295
baseline
▲ 0.50% · 4.625%
HK$14,104
+HK$809/mo
Deposit HK$2.74M · loan HK$2.74M · min. income ≈ HK$26,590/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$123,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,918
−HK$752/mo
▼ 0.25% · 3.875%
HK$14,291
−HK$379/mo
Today · 4.125%
HK$14,670
baseline
▲ 0.50% · 4.625%
HK$15,443
+HK$773/mo
Deposit HK$2.74M · loan HK$2.74M · min. income ≈ HK$29,340/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$123,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,013
−HK$941/mo
▼ 0.25% · 3.875%
HK$15,480
−HK$474/mo
Today · 4.125%
HK$15,954
baseline
▲ 0.50% · 4.625%
HK$16,925
+HK$971/mo
Deposit HK$2.19M · loan HK$3.29M · min. income ≈ HK$31,908/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,702
−HK$902/mo
▼ 0.25% · 3.875%
HK$17,150
−HK$454/mo
Today · 4.125%
HK$17,604
baseline
▲ 0.50% · 4.625%
HK$18,532
+HK$928/mo
Deposit HK$2.19M · loan HK$3.29M · min. income ≈ HK$35,208/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,515
−HK$1,098/mo
▼ 0.25% · 3.875%
HK$18,060
−HK$553/mo
Today · 4.125%
HK$18,613
baseline
▲ 0.50% · 4.625%
HK$19,746
+HK$1,133/mo
Deposit HK$1.65M · loan HK$3.84M · min. income ≈ HK$37,226/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,485
−HK$1,053/mo
▼ 0.25% · 3.875%
HK$20,008
−HK$530/mo
Today · 4.125%
HK$20,538
baseline
▲ 0.50% · 4.625%
HK$21,620
+HK$1,082/mo
Deposit HK$1.65M · loan HK$3.84M · min. income ≈ HK$41,076/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,519
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$23,220
−HK$711/mo
Today · 4.125%
HK$23,931
baseline
▲ 0.50% · 4.625%
HK$25,388
+HK$1,457/mo
Deposit HK$549K · loan HK$4.94M · min. income ≈ HK$47,862/mo (50% DSR)
Upfront cash ≈ HK$672K (deposit + AVD stamp duty HK$123,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,052
−HK$1,354/mo
▼ 0.25% · 3.875%
HK$25,724
−HK$682/mo
Today · 4.125%
HK$26,406
baseline
▲ 0.50% · 4.625%
HK$27,798
+HK$1,392/mo
Deposit HK$549K · loan HK$4.94M · min. income ≈ HK$52,812/mo (50% DSR)
Upfront cash ≈ HK$672K (deposit + AVD stamp duty HK$123,447 · 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).