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$12,428
−HK$780/mo
▼ 0.25% · 3.875%
HK$12,815
−HK$393/mo
Today · 4.125%
HK$13,208
baseline
▲ 0.50% · 4.625%
HK$14,011
+HK$803/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$26,416/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$122,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,826
−HK$747/mo
▼ 0.25% · 3.875%
HK$14,197
−HK$376/mo
Today · 4.125%
HK$14,573
baseline
▲ 0.50% · 4.625%
HK$15,342
+HK$769/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$29,146/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$122,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,914
−HK$935/mo
▼ 0.25% · 3.875%
HK$15,378
−HK$471/mo
Today · 4.125%
HK$15,849
baseline
▲ 0.50% · 4.625%
HK$16,814
+HK$965/mo
Deposit HK$2.18M · loan HK$3.27M · min. income ≈ HK$31,698/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,592
−HK$896/mo
▼ 0.25% · 3.875%
HK$17,037
−HK$451/mo
Today · 4.125%
HK$17,488
baseline
▲ 0.50% · 4.625%
HK$18,410
+HK$922/mo
Deposit HK$2.18M · loan HK$3.27M · min. income ≈ HK$34,976/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,400
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$17,941
−HK$550/mo
Today · 4.125%
HK$18,491
baseline
▲ 0.50% · 4.625%
HK$19,616
+HK$1,125/mo
Deposit HK$1.64M · loan HK$3.82M · min. income ≈ HK$36,982/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,357
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$19,876
−HK$527/mo
Today · 4.125%
HK$20,403
baseline
▲ 0.50% · 4.625%
HK$21,478
+HK$1,075/mo
Deposit HK$1.64M · loan HK$3.82M · min. income ≈ HK$40,806/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,371
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$23,067
−HK$707/mo
Today · 4.125%
HK$23,774
baseline
▲ 0.50% · 4.625%
HK$25,220
+HK$1,446/mo
Deposit HK$545K · loan HK$4.91M · min. income ≈ HK$47,548/mo (50% DSR)
Upfront cash ≈ HK$668K (deposit + AVD stamp duty HK$122,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,888
−HK$1,344/mo
▼ 0.25% · 3.875%
HK$25,555
−HK$677/mo
Today · 4.125%
HK$26,232
baseline
▲ 0.50% · 4.625%
HK$27,615
+HK$1,383/mo
Deposit HK$545K · loan HK$4.91M · min. income ≈ HK$52,464/mo (50% DSR)
Upfront cash ≈ HK$668K (deposit + AVD stamp duty HK$122,635 · 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).