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$12,454
−HK$781/mo
▼ 0.25% · 3.875%
HK$12,842
−HK$393/mo
Today · 4.125%
HK$13,235
baseline
▲ 0.50% · 4.625%
HK$14,040
+HK$805/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$26,470/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$122,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,855
−HK$749/mo
▼ 0.25% · 3.875%
HK$14,227
−HK$377/mo
Today · 4.125%
HK$14,604
baseline
▲ 0.50% · 4.625%
HK$15,373
+HK$769/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$29,208/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$122,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,945
−HK$937/mo
▼ 0.25% · 3.875%
HK$15,410
−HK$472/mo
Today · 4.125%
HK$15,882
baseline
▲ 0.50% · 4.625%
HK$16,849
+HK$967/mo
Deposit HK$2.18M · loan HK$3.28M · min. income ≈ HK$31,764/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$122,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,626
−HK$898/mo
▼ 0.25% · 3.875%
HK$17,072
−HK$452/mo
Today · 4.125%
HK$17,524
baseline
▲ 0.50% · 4.625%
HK$18,448
+HK$924/mo
Deposit HK$2.18M · loan HK$3.28M · min. income ≈ HK$35,048/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$122,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,436
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$17,978
−HK$551/mo
Today · 4.125%
HK$18,529
baseline
▲ 0.50% · 4.625%
HK$19,657
+HK$1,128/mo
Deposit HK$1.64M · loan HK$3.82M · min. income ≈ HK$37,058/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,397
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$19,917
−HK$528/mo
Today · 4.125%
HK$20,445
baseline
▲ 0.50% · 4.625%
HK$21,523
+HK$1,078/mo
Deposit HK$1.64M · loan HK$3.82M · min. income ≈ HK$40,890/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,418
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$23,115
−HK$708/mo
Today · 4.125%
HK$23,823
baseline
▲ 0.50% · 4.625%
HK$25,273
+HK$1,450/mo
Deposit HK$546K · loan HK$4.92M · min. income ≈ HK$47,646/mo (50% DSR)
Upfront cash ≈ HK$669K (deposit + AVD stamp duty HK$122,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,939
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$25,608
−HK$679/mo
Today · 4.125%
HK$26,287
baseline
▲ 0.50% · 4.625%
HK$27,672
+HK$1,385/mo
Deposit HK$546K · loan HK$4.92M · min. income ≈ HK$52,574/mo (50% DSR)
Upfront cash ≈ HK$669K (deposit + AVD stamp duty HK$122,890 · 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).