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$785/mo
▼ 0.25% · 3.875%
HK$12,898
−HK$396/mo
Today · 4.125%
HK$13,294
baseline
▲ 0.50% · 4.625%
HK$14,103
+HK$809/mo
Deposit HK$2.74M · loan HK$2.74M · min. income ≈ HK$26,588/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$123,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,916
−HK$752/mo
▼ 0.25% · 3.875%
HK$14,290
−HK$378/mo
Today · 4.125%
HK$14,668
baseline
▲ 0.50% · 4.625%
HK$15,442
+HK$774/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$123,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,011
−HK$941/mo
▼ 0.25% · 3.875%
HK$15,478
−HK$474/mo
Today · 4.125%
HK$15,952
baseline
▲ 0.50% · 4.625%
HK$16,923
+HK$971/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$123,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,700
−HK$902/mo
▼ 0.25% · 3.875%
HK$17,148
−HK$454/mo
Today · 4.125%
HK$17,602
baseline
▲ 0.50% · 4.625%
HK$18,530
+HK$928/mo
Deposit HK$2.19M · loan HK$3.29M · min. income ≈ HK$35,204/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,513
−HK$1,098/mo
▼ 0.25% · 3.875%
HK$18,058
−HK$553/mo
Today · 4.125%
HK$18,611
baseline
▲ 0.50% · 4.625%
HK$19,744
+HK$1,133/mo
Deposit HK$1.65M · loan HK$3.84M · min. income ≈ HK$37,222/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,483
−HK$1,053/mo
▼ 0.25% · 3.875%
HK$20,006
−HK$530/mo
Today · 4.125%
HK$20,536
baseline
▲ 0.50% · 4.625%
HK$21,618
+HK$1,082/mo
Deposit HK$1.65M · loan HK$3.84M · min. income ≈ HK$41,072/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,517
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$23,217
−HK$712/mo
Today · 4.125%
HK$23,929
baseline
▲ 0.50% · 4.625%
HK$25,385
+HK$1,456/mo
Deposit HK$549K · loan HK$4.94M · min. income ≈ HK$47,858/mo (50% DSR)
Upfront cash ≈ HK$672K (deposit + AVD stamp duty HK$123,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,050
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$25,721
−HK$682/mo
Today · 4.125%
HK$26,403
baseline
▲ 0.50% · 4.625%
HK$27,795
+HK$1,392/mo
Deposit HK$549K · loan HK$4.94M · min. income ≈ HK$52,806/mo (50% DSR)
Upfront cash ≈ HK$672K (deposit + AVD stamp duty HK$123,434 · 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).