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$12,474
−HK$782/mo
▼ 0.25% · 3.875%
HK$12,862
−HK$394/mo
Today · 4.125%
HK$13,256
baseline
▲ 0.50% · 4.625%
HK$14,063
+HK$807/mo
Deposit HK$2.74M · loan HK$2.74M · min. income ≈ HK$26,512/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$123,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,877
−HK$750/mo
▼ 0.25% · 3.875%
HK$14,249
−HK$378/mo
Today · 4.125%
HK$14,627
baseline
▲ 0.50% · 4.625%
HK$15,398
+HK$771/mo
Deposit HK$2.74M · loan HK$2.74M · min. income ≈ HK$29,254/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$123,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,969
−HK$938/mo
▼ 0.25% · 3.875%
HK$15,434
−HK$473/mo
Today · 4.125%
HK$15,907
baseline
▲ 0.50% · 4.625%
HK$16,875
+HK$968/mo
Deposit HK$2.19M · loan HK$3.28M · min. income ≈ HK$31,814/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$123,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,653
−HK$899/mo
▼ 0.25% · 3.875%
HK$17,099
−HK$453/mo
Today · 4.125%
HK$17,552
baseline
▲ 0.50% · 4.625%
HK$18,477
+HK$925/mo
Deposit HK$2.19M · loan HK$3.28M · min. income ≈ HK$35,104/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$123,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,463
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$18,007
−HK$552/mo
Today · 4.125%
HK$18,559
baseline
▲ 0.50% · 4.625%
HK$19,688
+HK$1,129/mo
Deposit HK$1.64M · loan HK$3.83M · min. income ≈ HK$37,118/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$123,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,428
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$19,949
−HK$529/mo
Today · 4.125%
HK$20,478
baseline
▲ 0.50% · 4.625%
HK$21,557
+HK$1,079/mo
Deposit HK$1.64M · loan HK$3.83M · min. income ≈ HK$40,956/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$123,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,453
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$23,151
−HK$710/mo
Today · 4.125%
HK$23,861
baseline
▲ 0.50% · 4.625%
HK$25,313
+HK$1,452/mo
Deposit HK$547K · loan HK$4.92M · min. income ≈ HK$47,722/mo (50% DSR)
Upfront cash ≈ HK$670K (deposit + AVD stamp duty HK$123,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,979
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$25,649
−HK$679/mo
Today · 4.125%
HK$26,328
baseline
▲ 0.50% · 4.625%
HK$27,716
+HK$1,388/mo
Deposit HK$547K · loan HK$4.92M · min. income ≈ HK$52,656/mo (50% DSR)
Upfront cash ≈ HK$670K (deposit + AVD stamp duty HK$123,084 · 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).