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$12,432
−HK$780/mo
▼ 0.25% · 3.875%
HK$12,819
−HK$393/mo
Today · 4.125%
HK$13,212
baseline
▲ 0.50% · 4.625%
HK$14,016
+HK$804/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$26,424/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$122,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,831
−HK$747/mo
▼ 0.25% · 3.875%
HK$14,202
−HK$376/mo
Today · 4.125%
HK$14,578
baseline
▲ 0.50% · 4.625%
HK$15,347
+HK$769/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$29,156/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$122,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,919
−HK$935/mo
▼ 0.25% · 3.875%
HK$15,383
−HK$471/mo
Today · 4.125%
HK$15,854
baseline
▲ 0.50% · 4.625%
HK$16,819
+HK$965/mo
Deposit HK$2.18M · loan HK$3.27M · min. income ≈ HK$31,708/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,597
−HK$897/mo
▼ 0.25% · 3.875%
HK$17,042
−HK$452/mo
Today · 4.125%
HK$17,494
baseline
▲ 0.50% · 4.625%
HK$18,416
+HK$922/mo
Deposit HK$2.18M · loan HK$3.27M · min. income ≈ HK$34,988/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,405
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$17,947
−HK$550/mo
Today · 4.125%
HK$18,497
baseline
▲ 0.50% · 4.625%
HK$19,622
+HK$1,125/mo
Deposit HK$1.64M · loan HK$3.82M · min. income ≈ HK$36,994/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,363
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$19,883
−HK$526/mo
Today · 4.125%
HK$20,409
baseline
▲ 0.50% · 4.625%
HK$21,485
+HK$1,076/mo
Deposit HK$1.64M · loan HK$3.82M · min. income ≈ HK$40,818/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,378
−HK$1,404/mo
▼ 0.25% · 3.875%
HK$23,074
−HK$708/mo
Today · 4.125%
HK$23,782
baseline
▲ 0.50% · 4.625%
HK$25,229
+HK$1,447/mo
Deposit HK$545K · loan HK$4.91M · min. income ≈ HK$47,564/mo (50% DSR)
Upfront cash ≈ HK$668K (deposit + AVD stamp duty HK$122,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,896
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$25,563
−HK$678/mo
Today · 4.125%
HK$26,241
baseline
▲ 0.50% · 4.625%
HK$27,624
+HK$1,383/mo
Deposit HK$545K · loan HK$4.91M · min. income ≈ HK$52,482/mo (50% DSR)
Upfront cash ≈ HK$668K (deposit + AVD stamp duty HK$122,675 · 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).