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$12,473
−HK$782/mo
▼ 0.25% · 3.875%
HK$12,861
−HK$394/mo
Today · 4.125%
HK$13,255
baseline
▲ 0.50% · 4.625%
HK$14,062
+HK$807/mo
Deposit HK$2.74M · loan HK$2.74M · min. income ≈ HK$26,510/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$123,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,876
−HK$750/mo
▼ 0.25% · 3.875%
HK$14,248
−HK$378/mo
Today · 4.125%
HK$14,626
baseline
▲ 0.50% · 4.625%
HK$15,397
+HK$771/mo
Deposit HK$2.74M · loan HK$2.74M · min. income ≈ HK$29,252/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$123,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,968
−HK$938/mo
▼ 0.25% · 3.875%
HK$15,433
−HK$473/mo
Today · 4.125%
HK$15,906
baseline
▲ 0.50% · 4.625%
HK$16,874
+HK$968/mo
Deposit HK$2.19M · loan HK$3.28M · min. income ≈ HK$31,812/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$123,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,652
−HK$899/mo
▼ 0.25% · 3.875%
HK$17,098
−HK$453/mo
Today · 4.125%
HK$17,551
baseline
▲ 0.50% · 4.625%
HK$18,476
+HK$925/mo
Deposit HK$2.19M · loan HK$3.28M · min. income ≈ HK$35,102/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$123,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,462
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$18,006
−HK$551/mo
Today · 4.125%
HK$18,557
baseline
▲ 0.50% · 4.625%
HK$19,687
+HK$1,130/mo
Deposit HK$1.64M · loan HK$3.83M · min. income ≈ HK$37,114/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$123,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,427
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$19,948
−HK$528/mo
Today · 4.125%
HK$20,476
baseline
▲ 0.50% · 4.625%
HK$21,556
+HK$1,080/mo
Deposit HK$1.64M · loan HK$3.83M · min. income ≈ HK$40,952/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$123,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,452
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$23,150
−HK$710/mo
Today · 4.125%
HK$23,860
baseline
▲ 0.50% · 4.625%
HK$25,311
+HK$1,451/mo
Deposit HK$547K · loan HK$4.92M · min. income ≈ HK$47,720/mo (50% DSR)
Upfront cash ≈ HK$670K (deposit + AVD stamp duty HK$123,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,977
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$25,647
−HK$680/mo
Today · 4.125%
HK$26,327
baseline
▲ 0.50% · 4.625%
HK$27,714
+HK$1,387/mo
Deposit HK$547K · loan HK$4.92M · min. income ≈ HK$52,654/mo (50% DSR)
Upfront cash ≈ HK$670K (deposit + AVD stamp duty HK$123,077 · 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).