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$12,458
−HK$781/mo
▼ 0.25% · 3.875%
HK$12,845
−HK$394/mo
Today · 4.125%
HK$13,239
baseline
▲ 0.50% · 4.625%
HK$14,045
+HK$806/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$26,478/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$122,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,859
−HK$749/mo
▼ 0.25% · 3.875%
HK$14,231
−HK$377/mo
Today · 4.125%
HK$14,608
baseline
▲ 0.50% · 4.625%
HK$15,378
+HK$770/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$29,216/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$122,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,949
−HK$938/mo
▼ 0.25% · 3.875%
HK$15,414
−HK$473/mo
Today · 4.125%
HK$15,887
baseline
▲ 0.50% · 4.625%
HK$16,853
+HK$966/mo
Deposit HK$2.19M · loan HK$3.28M · min. income ≈ HK$31,774/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$122,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,631
−HK$899/mo
▼ 0.25% · 3.875%
HK$17,077
−HK$453/mo
Today · 4.125%
HK$17,530
baseline
▲ 0.50% · 4.625%
HK$18,454
+HK$924/mo
Deposit HK$2.19M · loan HK$3.28M · min. income ≈ HK$35,060/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$122,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,441
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$17,983
−HK$552/mo
Today · 4.125%
HK$18,535
baseline
▲ 0.50% · 4.625%
HK$19,662
+HK$1,127/mo
Deposit HK$1.64M · loan HK$3.82M · min. income ≈ HK$37,070/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,403
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$19,923
−HK$528/mo
Today · 4.125%
HK$20,451
baseline
▲ 0.50% · 4.625%
HK$21,529
+HK$1,078/mo
Deposit HK$1.64M · loan HK$3.82M · min. income ≈ HK$40,902/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,424
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$23,122
−HK$708/mo
Today · 4.125%
HK$23,830
baseline
▲ 0.50% · 4.625%
HK$25,280
+HK$1,450/mo
Deposit HK$546K · loan HK$4.92M · min. income ≈ HK$47,660/mo (50% DSR)
Upfront cash ≈ HK$669K (deposit + AVD stamp duty HK$122,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,946
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$25,616
−HK$678/mo
Today · 4.125%
HK$26,294
baseline
▲ 0.50% · 4.625%
HK$27,680
+HK$1,386/mo
Deposit HK$546K · loan HK$4.92M · min. income ≈ HK$52,588/mo (50% DSR)
Upfront cash ≈ HK$669K (deposit + AVD stamp duty HK$122,925 · 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).