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$12,484
−HK$783/mo
▼ 0.25% · 3.875%
HK$12,872
−HK$395/mo
Today · 4.125%
HK$13,267
baseline
▲ 0.50% · 4.625%
HK$14,074
+HK$807/mo
Deposit HK$2.74M · loan HK$2.74M · min. income ≈ HK$26,534/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$123,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,888
−HK$751/mo
▼ 0.25% · 3.875%
HK$14,261
−HK$378/mo
Today · 4.125%
HK$14,639
baseline
▲ 0.50% · 4.625%
HK$15,410
+HK$771/mo
Deposit HK$2.74M · loan HK$2.74M · min. income ≈ HK$29,278/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$123,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,981
−HK$939/mo
▼ 0.25% · 3.875%
HK$15,447
−HK$473/mo
Today · 4.125%
HK$15,920
baseline
▲ 0.50% · 4.625%
HK$16,889
+HK$969/mo
Deposit HK$2.19M · loan HK$3.28M · min. income ≈ HK$31,840/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$123,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,666
−HK$900/mo
▼ 0.25% · 3.875%
HK$17,113
−HK$453/mo
Today · 4.125%
HK$17,566
baseline
▲ 0.50% · 4.625%
HK$18,492
+HK$926/mo
Deposit HK$2.19M · loan HK$3.28M · min. income ≈ HK$35,132/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$123,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,478
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$18,021
−HK$553/mo
Today · 4.125%
HK$18,574
baseline
▲ 0.50% · 4.625%
HK$19,704
+HK$1,130/mo
Deposit HK$1.64M · loan HK$3.83M · min. income ≈ HK$37,148/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,444
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$19,965
−HK$529/mo
Today · 4.125%
HK$20,494
baseline
▲ 0.50% · 4.625%
HK$21,574
+HK$1,080/mo
Deposit HK$1.64M · loan HK$3.83M · min. income ≈ HK$40,988/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,471
−HK$1,409/mo
▼ 0.25% · 3.875%
HK$23,170
−HK$710/mo
Today · 4.125%
HK$23,880
baseline
▲ 0.50% · 4.625%
HK$25,333
+HK$1,453/mo
Deposit HK$547K · loan HK$4.93M · min. income ≈ HK$47,760/mo (50% DSR)
Upfront cash ≈ HK$671K (deposit + AVD stamp duty HK$123,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,999
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$25,669
−HK$680/mo
Today · 4.125%
HK$26,349
baseline
▲ 0.50% · 4.625%
HK$27,738
+HK$1,389/mo
Deposit HK$547K · loan HK$4.93M · min. income ≈ HK$52,698/mo (50% DSR)
Upfront cash ≈ HK$671K (deposit + AVD stamp duty HK$123,183 · 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).