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$12,513
−HK$785/mo
▼ 0.25% · 3.875%
HK$12,902
−HK$396/mo
Today · 4.125%
HK$13,298
baseline
▲ 0.50% · 4.625%
HK$14,107
+HK$809/mo
Deposit HK$2.74M · loan HK$2.74M · min. income ≈ HK$26,596/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$123,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,920
−HK$753/mo
▼ 0.25% · 3.875%
HK$14,294
−HK$379/mo
Today · 4.125%
HK$14,673
baseline
▲ 0.50% · 4.625%
HK$15,446
+HK$773/mo
Deposit HK$2.74M · loan HK$2.74M · min. income ≈ HK$29,346/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$123,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,015
−HK$942/mo
▼ 0.25% · 3.875%
HK$15,483
−HK$474/mo
Today · 4.125%
HK$15,957
baseline
▲ 0.50% · 4.625%
HK$16,928
+HK$971/mo
Deposit HK$2.19M · loan HK$3.29M · min. income ≈ HK$31,914/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,705
−HK$902/mo
▼ 0.25% · 3.875%
HK$17,153
−HK$454/mo
Today · 4.125%
HK$17,607
baseline
▲ 0.50% · 4.625%
HK$18,535
+HK$928/mo
Deposit HK$2.19M · loan HK$3.29M · min. income ≈ HK$35,214/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,518
−HK$1,099/mo
▼ 0.25% · 3.875%
HK$18,063
−HK$554/mo
Today · 4.125%
HK$18,617
baseline
▲ 0.50% · 4.625%
HK$19,749
+HK$1,132/mo
Deposit HK$1.65M · loan HK$3.84M · min. income ≈ HK$37,234/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,489
−HK$1,053/mo
▼ 0.25% · 3.875%
HK$20,011
−HK$531/mo
Today · 4.125%
HK$20,542
baseline
▲ 0.50% · 4.625%
HK$21,624
+HK$1,082/mo
Deposit HK$1.65M · loan HK$3.84M · min. income ≈ HK$41,084/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,523
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$23,224
−HK$712/mo
Today · 4.125%
HK$23,936
baseline
▲ 0.50% · 4.625%
HK$25,392
+HK$1,456/mo
Deposit HK$549K · loan HK$4.94M · min. income ≈ HK$47,872/mo (50% DSR)
Upfront cash ≈ HK$672K (deposit + AVD stamp duty HK$123,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,057
−HK$1,354/mo
▼ 0.25% · 3.875%
HK$25,729
−HK$682/mo
Today · 4.125%
HK$26,411
baseline
▲ 0.50% · 4.625%
HK$27,803
+HK$1,392/mo
Deposit HK$549K · loan HK$4.94M · min. income ≈ HK$52,822/mo (50% DSR)
Upfront cash ≈ HK$672K (deposit + AVD stamp duty HK$123,469 · 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).