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$12,433
−HK$780/mo
▼ 0.25% · 3.875%
HK$12,820
−HK$393/mo
Today · 4.125%
HK$13,213
baseline
▲ 0.50% · 4.625%
HK$14,017
+HK$804/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$26,426/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$122,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,832
−HK$747/mo
▼ 0.25% · 3.875%
HK$14,203
−HK$376/mo
Today · 4.125%
HK$14,579
baseline
▲ 0.50% · 4.625%
HK$15,348
+HK$769/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$29,158/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$122,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,920
−HK$936/mo
▼ 0.25% · 3.875%
HK$15,384
−HK$472/mo
Today · 4.125%
HK$15,856
baseline
▲ 0.50% · 4.625%
HK$16,820
+HK$964/mo
Deposit HK$2.18M · loan HK$3.27M · min. income ≈ HK$31,712/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,598
−HK$897/mo
▼ 0.25% · 3.875%
HK$17,044
−HK$451/mo
Today · 4.125%
HK$17,495
baseline
▲ 0.50% · 4.625%
HK$18,417
+HK$922/mo
Deposit HK$2.18M · loan HK$3.27M · min. income ≈ HK$34,990/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,407
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$17,948
−HK$550/mo
Today · 4.125%
HK$18,498
baseline
▲ 0.50% · 4.625%
HK$19,624
+HK$1,126/mo
Deposit HK$1.64M · loan HK$3.82M · min. income ≈ HK$36,996/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,365
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$19,884
−HK$527/mo
Today · 4.125%
HK$20,411
baseline
▲ 0.50% · 4.625%
HK$21,487
+HK$1,076/mo
Deposit HK$1.64M · loan HK$3.82M · min. income ≈ HK$40,822/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,380
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$23,076
−HK$707/mo
Today · 4.125%
HK$23,783
baseline
▲ 0.50% · 4.625%
HK$25,231
+HK$1,448/mo
Deposit HK$545K · loan HK$4.91M · min. income ≈ HK$47,566/mo (50% DSR)
Upfront cash ≈ HK$668K (deposit + AVD stamp duty HK$122,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,898
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$25,565
−HK$678/mo
Today · 4.125%
HK$26,243
baseline
▲ 0.50% · 4.625%
HK$27,626
+HK$1,383/mo
Deposit HK$545K · loan HK$4.91M · min. income ≈ HK$52,486/mo (50% DSR)
Upfront cash ≈ HK$668K (deposit + AVD stamp duty HK$122,684 · 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).