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$12,443
−HK$780/mo
▼ 0.25% · 3.875%
HK$12,830
−HK$393/mo
Today · 4.125%
HK$13,223
baseline
▲ 0.50% · 4.625%
HK$14,028
+HK$805/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$26,446/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$122,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,843
−HK$748/mo
▼ 0.25% · 3.875%
HK$14,214
−HK$377/mo
Today · 4.125%
HK$14,591
baseline
▲ 0.50% · 4.625%
HK$15,360
+HK$769/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$29,182/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$122,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,932
−HK$936/mo
▼ 0.25% · 3.875%
HK$15,396
−HK$472/mo
Today · 4.125%
HK$15,868
baseline
▲ 0.50% · 4.625%
HK$16,834
+HK$966/mo
Deposit HK$2.18M · loan HK$3.27M · min. income ≈ HK$31,736/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$122,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,611
−HK$898/mo
▼ 0.25% · 3.875%
HK$17,057
−HK$452/mo
Today · 4.125%
HK$17,509
baseline
▲ 0.50% · 4.625%
HK$18,432
+HK$923/mo
Deposit HK$2.18M · loan HK$3.27M · min. income ≈ HK$35,018/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$122,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,420
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$17,962
−HK$551/mo
Today · 4.125%
HK$18,513
baseline
▲ 0.50% · 4.625%
HK$19,639
+HK$1,126/mo
Deposit HK$1.64M · loan HK$3.82M · min. income ≈ HK$37,026/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,380
−HK$1,047/mo
▼ 0.25% · 3.875%
HK$19,900
−HK$527/mo
Today · 4.125%
HK$20,427
baseline
▲ 0.50% · 4.625%
HK$21,504
+HK$1,077/mo
Deposit HK$1.64M · loan HK$3.82M · min. income ≈ HK$40,854/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,398
−HK$1,404/mo
▼ 0.25% · 3.875%
HK$23,094
−HK$708/mo
Today · 4.125%
HK$23,802
baseline
▲ 0.50% · 4.625%
HK$25,251
+HK$1,449/mo
Deposit HK$546K · loan HK$4.91M · min. income ≈ HK$47,604/mo (50% DSR)
Upfront cash ≈ HK$668K (deposit + AVD stamp duty HK$122,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,917
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$25,586
−HK$677/mo
Today · 4.125%
HK$26,263
baseline
▲ 0.50% · 4.625%
HK$27,648
+HK$1,385/mo
Deposit HK$546K · loan HK$4.91M · min. income ≈ HK$52,526/mo (50% DSR)
Upfront cash ≈ HK$668K (deposit + AVD stamp duty HK$122,781 · 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).