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$12,429
−HK$779/mo
▼ 0.25% · 3.875%
HK$12,815
−HK$393/mo
Today · 4.125%
HK$13,208
baseline
▲ 0.50% · 4.625%
HK$14,012
+HK$804/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$26,416/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$122,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,827
−HK$747/mo
▼ 0.25% · 3.875%
HK$14,197
−HK$377/mo
Today · 4.125%
HK$14,574
baseline
▲ 0.50% · 4.625%
HK$15,342
+HK$768/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$29,148/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$122,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,914
−HK$936/mo
▼ 0.25% · 3.875%
HK$15,378
−HK$472/mo
Today · 4.125%
HK$15,850
baseline
▲ 0.50% · 4.625%
HK$16,814
+HK$964/mo
Deposit HK$2.18M · loan HK$3.27M · min. income ≈ HK$31,700/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,592
−HK$896/mo
▼ 0.25% · 3.875%
HK$17,037
−HK$451/mo
Today · 4.125%
HK$17,488
baseline
▲ 0.50% · 4.625%
HK$18,410
+HK$922/mo
Deposit HK$2.18M · loan HK$3.27M · min. income ≈ HK$34,976/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,400
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$17,941
−HK$550/mo
Today · 4.125%
HK$18,491
baseline
▲ 0.50% · 4.625%
HK$19,616
+HK$1,125/mo
Deposit HK$1.64M · loan HK$3.82M · min. income ≈ HK$36,982/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,357
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$19,876
−HK$527/mo
Today · 4.125%
HK$20,403
baseline
▲ 0.50% · 4.625%
HK$21,479
+HK$1,076/mo
Deposit HK$1.64M · loan HK$3.82M · min. income ≈ HK$40,806/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,371
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$23,067
−HK$707/mo
Today · 4.125%
HK$23,774
baseline
▲ 0.50% · 4.625%
HK$25,221
+HK$1,447/mo
Deposit HK$545K · loan HK$4.91M · min. income ≈ HK$47,548/mo (50% DSR)
Upfront cash ≈ HK$668K (deposit + AVD stamp duty HK$122,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,888
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$25,555
−HK$678/mo
Today · 4.125%
HK$26,233
baseline
▲ 0.50% · 4.625%
HK$27,615
+HK$1,382/mo
Deposit HK$545K · loan HK$4.91M · min. income ≈ HK$52,466/mo (50% DSR)
Upfront cash ≈ HK$668K (deposit + AVD stamp duty HK$122,637 · 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).