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$12,509
−HK$784/mo
▼ 0.25% · 3.875%
HK$12,898
−HK$395/mo
Today · 4.125%
HK$13,293
baseline
▲ 0.50% · 4.625%
HK$14,102
+HK$809/mo
Deposit HK$2.74M · loan HK$2.74M · min. income ≈ HK$26,586/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$123,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,916
−HK$752/mo
▼ 0.25% · 3.875%
HK$14,289
−HK$379/mo
Today · 4.125%
HK$14,668
baseline
▲ 0.50% · 4.625%
HK$15,441
+HK$773/mo
Deposit HK$2.74M · loan HK$2.74M · min. income ≈ HK$29,336/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$123,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,010
−HK$942/mo
▼ 0.25% · 3.875%
HK$15,477
−HK$475/mo
Today · 4.125%
HK$15,952
baseline
▲ 0.50% · 4.625%
HK$16,922
+HK$970/mo
Deposit HK$2.19M · loan HK$3.29M · min. income ≈ HK$31,904/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,699
−HK$902/mo
▼ 0.25% · 3.875%
HK$17,147
−HK$454/mo
Today · 4.125%
HK$17,601
baseline
▲ 0.50% · 4.625%
HK$18,529
+HK$928/mo
Deposit HK$2.19M · loan HK$3.29M · min. income ≈ HK$35,202/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,512
−HK$1,098/mo
▼ 0.25% · 3.875%
HK$18,057
−HK$553/mo
Today · 4.125%
HK$18,610
baseline
▲ 0.50% · 4.625%
HK$19,743
+HK$1,133/mo
Deposit HK$1.65M · loan HK$3.84M · min. income ≈ HK$37,220/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,482
−HK$1,053/mo
▼ 0.25% · 3.875%
HK$20,005
−HK$530/mo
Today · 4.125%
HK$20,535
baseline
▲ 0.50% · 4.625%
HK$21,617
+HK$1,082/mo
Deposit HK$1.65M · loan HK$3.84M · min. income ≈ HK$41,070/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,516
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$23,216
−HK$712/mo
Today · 4.125%
HK$23,928
baseline
▲ 0.50% · 4.625%
HK$25,383
+HK$1,455/mo
Deposit HK$549K · loan HK$4.94M · min. income ≈ HK$47,856/mo (50% DSR)
Upfront cash ≈ HK$672K (deposit + AVD stamp duty HK$123,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,048
−HK$1,354/mo
▼ 0.25% · 3.875%
HK$25,720
−HK$682/mo
Today · 4.125%
HK$26,402
baseline
▲ 0.50% · 4.625%
HK$27,793
+HK$1,391/mo
Deposit HK$549K · loan HK$4.94M · min. income ≈ HK$52,804/mo (50% DSR)
Upfront cash ≈ HK$672K (deposit + AVD stamp duty HK$123,427 · 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).