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$12,476
−HK$783/mo
▼ 0.25% · 3.875%
HK$12,865
−HK$394/mo
Today · 4.125%
HK$13,259
baseline
▲ 0.50% · 4.625%
HK$14,066
+HK$807/mo
Deposit HK$2.74M · loan HK$2.74M · min. income ≈ HK$26,518/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$123,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,880
−HK$750/mo
▼ 0.25% · 3.875%
HK$14,252
−HK$378/mo
Today · 4.125%
HK$14,630
baseline
▲ 0.50% · 4.625%
HK$15,401
+HK$771/mo
Deposit HK$2.74M · loan HK$2.74M · min. income ≈ HK$29,260/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$123,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,972
−HK$939/mo
▼ 0.25% · 3.875%
HK$15,437
−HK$474/mo
Today · 4.125%
HK$15,911
baseline
▲ 0.50% · 4.625%
HK$16,879
+HK$968/mo
Deposit HK$2.19M · loan HK$3.28M · min. income ≈ HK$31,822/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$123,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,656
−HK$900/mo
▼ 0.25% · 3.875%
HK$17,103
−HK$453/mo
Today · 4.125%
HK$17,556
baseline
▲ 0.50% · 4.625%
HK$18,481
+HK$925/mo
Deposit HK$2.19M · loan HK$3.28M · min. income ≈ HK$35,112/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$123,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,467
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$18,010
−HK$552/mo
Today · 4.125%
HK$18,562
baseline
▲ 0.50% · 4.625%
HK$19,692
+HK$1,130/mo
Deposit HK$1.64M · loan HK$3.83M · min. income ≈ HK$37,124/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$123,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,432
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$19,953
−HK$529/mo
Today · 4.125%
HK$20,482
baseline
▲ 0.50% · 4.625%
HK$21,561
+HK$1,079/mo
Deposit HK$1.64M · loan HK$3.83M · min. income ≈ HK$40,964/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$123,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,458
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$23,156
−HK$710/mo
Today · 4.125%
HK$23,866
baseline
▲ 0.50% · 4.625%
HK$25,318
+HK$1,452/mo
Deposit HK$547K · loan HK$4.92M · min. income ≈ HK$47,732/mo (50% DSR)
Upfront cash ≈ HK$670K (deposit + AVD stamp duty HK$123,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,984
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$25,654
−HK$680/mo
Today · 4.125%
HK$26,334
baseline
▲ 0.50% · 4.625%
HK$27,722
+HK$1,388/mo
Deposit HK$547K · loan HK$4.92M · min. income ≈ HK$52,668/mo (50% DSR)
Upfront cash ≈ HK$670K (deposit + AVD stamp duty HK$123,109 · 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).