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$12,463
−HK$781/mo
▼ 0.25% · 3.875%
HK$12,850
−HK$394/mo
Today · 4.125%
HK$13,244
baseline
▲ 0.50% · 4.625%
HK$14,050
+HK$806/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$26,488/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$122,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,864
−HK$749/mo
▼ 0.25% · 3.875%
HK$14,236
−HK$377/mo
Today · 4.125%
HK$14,613
baseline
▲ 0.50% · 4.625%
HK$15,384
+HK$771/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$29,226/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$122,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,955
−HK$938/mo
▼ 0.25% · 3.875%
HK$15,420
−HK$473/mo
Today · 4.125%
HK$15,893
baseline
▲ 0.50% · 4.625%
HK$16,860
+HK$967/mo
Deposit HK$2.19M · loan HK$3.28M · min. income ≈ HK$31,786/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$122,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,637
−HK$899/mo
▼ 0.25% · 3.875%
HK$17,084
−HK$452/mo
Today · 4.125%
HK$17,536
baseline
▲ 0.50% · 4.625%
HK$18,461
+HK$925/mo
Deposit HK$2.19M · loan HK$3.28M · min. income ≈ HK$35,072/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$122,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,448
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$17,990
−HK$552/mo
Today · 4.125%
HK$18,542
baseline
▲ 0.50% · 4.625%
HK$19,670
+HK$1,128/mo
Deposit HK$1.64M · loan HK$3.83M · min. income ≈ HK$37,084/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,410
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$19,931
−HK$528/mo
Today · 4.125%
HK$20,459
baseline
▲ 0.50% · 4.625%
HK$21,537
+HK$1,078/mo
Deposit HK$1.64M · loan HK$3.83M · min. income ≈ HK$40,918/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,433
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$23,130
−HK$709/mo
Today · 4.125%
HK$23,839
baseline
▲ 0.50% · 4.625%
HK$25,290
+HK$1,451/mo
Deposit HK$547K · loan HK$4.92M · min. income ≈ HK$47,678/mo (50% DSR)
Upfront cash ≈ HK$670K (deposit + AVD stamp duty HK$122,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,956
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$25,625
−HK$679/mo
Today · 4.125%
HK$26,304
baseline
▲ 0.50% · 4.625%
HK$27,691
+HK$1,387/mo
Deposit HK$547K · loan HK$4.92M · min. income ≈ HK$52,608/mo (50% DSR)
Upfront cash ≈ HK$670K (deposit + AVD stamp duty HK$122,972 · 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).