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$12,440
−HK$781/mo
▼ 0.25% · 3.875%
HK$12,827
−HK$394/mo
Today · 4.125%
HK$13,221
baseline
▲ 0.50% · 4.625%
HK$14,025
+HK$804/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$26,442/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$122,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,840
−HK$748/mo
▼ 0.25% · 3.875%
HK$14,211
−HK$377/mo
Today · 4.125%
HK$14,588
baseline
▲ 0.50% · 4.625%
HK$15,357
+HK$769/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$29,176/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$122,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,929
−HK$936/mo
▼ 0.25% · 3.875%
HK$15,393
−HK$472/mo
Today · 4.125%
HK$15,865
baseline
▲ 0.50% · 4.625%
HK$16,830
+HK$965/mo
Deposit HK$2.18M · loan HK$3.27M · min. income ≈ HK$31,730/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$122,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,608
−HK$897/mo
▼ 0.25% · 3.875%
HK$17,053
−HK$452/mo
Today · 4.125%
HK$17,505
baseline
▲ 0.50% · 4.625%
HK$18,428
+HK$923/mo
Deposit HK$2.18M · loan HK$3.27M · min. income ≈ HK$35,010/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$122,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,417
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$17,958
−HK$551/mo
Today · 4.125%
HK$18,509
baseline
▲ 0.50% · 4.625%
HK$19,635
+HK$1,126/mo
Deposit HK$1.64M · loan HK$3.82M · min. income ≈ HK$37,018/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,376
−HK$1,047/mo
▼ 0.25% · 3.875%
HK$19,895
−HK$528/mo
Today · 4.125%
HK$20,423
baseline
▲ 0.50% · 4.625%
HK$21,499
+HK$1,076/mo
Deposit HK$1.64M · loan HK$3.82M · min. income ≈ HK$40,846/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,393
−HK$1,404/mo
▼ 0.25% · 3.875%
HK$23,089
−HK$708/mo
Today · 4.125%
HK$23,797
baseline
▲ 0.50% · 4.625%
HK$25,245
+HK$1,448/mo
Deposit HK$546K · loan HK$4.91M · min. income ≈ HK$47,594/mo (50% DSR)
Upfront cash ≈ HK$668K (deposit + AVD stamp duty HK$122,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,912
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$25,580
−HK$678/mo
Today · 4.125%
HK$26,258
baseline
▲ 0.50% · 4.625%
HK$27,642
+HK$1,384/mo
Deposit HK$546K · loan HK$4.91M · min. income ≈ HK$52,516/mo (50% DSR)
Upfront cash ≈ HK$668K (deposit + AVD stamp duty HK$122,754 · 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).