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$12,489
−HK$783/mo
▼ 0.25% · 3.875%
HK$12,878
−HK$394/mo
Today · 4.125%
HK$13,272
baseline
▲ 0.50% · 4.625%
HK$14,080
+HK$808/mo
Deposit HK$2.74M · loan HK$2.74M · min. income ≈ HK$26,544/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$123,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,894
−HK$751/mo
▼ 0.25% · 3.875%
HK$14,267
−HK$378/mo
Today · 4.125%
HK$14,645
baseline
▲ 0.50% · 4.625%
HK$15,417
+HK$772/mo
Deposit HK$2.74M · loan HK$2.74M · min. income ≈ HK$29,290/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$123,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,987
−HK$940/mo
▼ 0.25% · 3.875%
HK$15,453
−HK$474/mo
Today · 4.125%
HK$15,927
baseline
▲ 0.50% · 4.625%
HK$16,896
+HK$969/mo
Deposit HK$2.19M · loan HK$3.29M · min. income ≈ HK$31,854/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$123,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,673
−HK$901/mo
▼ 0.25% · 3.875%
HK$17,120
−HK$454/mo
Today · 4.125%
HK$17,574
baseline
▲ 0.50% · 4.625%
HK$18,500
+HK$926/mo
Deposit HK$2.19M · loan HK$3.29M · min. income ≈ HK$35,148/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$123,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,485
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$18,029
−HK$552/mo
Today · 4.125%
HK$18,581
baseline
▲ 0.50% · 4.625%
HK$19,712
+HK$1,131/mo
Deposit HK$1.64M · loan HK$3.83M · min. income ≈ HK$37,162/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,452
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$19,973
−HK$530/mo
Today · 4.125%
HK$20,503
baseline
▲ 0.50% · 4.625%
HK$21,583
+HK$1,080/mo
Deposit HK$1.64M · loan HK$3.83M · min. income ≈ HK$41,006/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,481
−HK$1,409/mo
▼ 0.25% · 3.875%
HK$23,180
−HK$710/mo
Today · 4.125%
HK$23,890
baseline
▲ 0.50% · 4.625%
HK$25,344
+HK$1,454/mo
Deposit HK$548K · loan HK$4.93M · min. income ≈ HK$47,780/mo (50% DSR)
Upfront cash ≈ HK$671K (deposit + AVD stamp duty HK$123,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,009
−HK$1,352/mo
▼ 0.25% · 3.875%
HK$25,680
−HK$681/mo
Today · 4.125%
HK$26,361
baseline
▲ 0.50% · 4.625%
HK$27,750
+HK$1,389/mo
Deposit HK$548K · loan HK$4.93M · min. income ≈ HK$52,722/mo (50% DSR)
Upfront cash ≈ HK$671K (deposit + AVD stamp duty HK$123,235 · 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).