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$12,507
−HK$784/mo
▼ 0.25% · 3.875%
HK$12,896
−HK$395/mo
Today · 4.125%
HK$13,291
baseline
▲ 0.50% · 4.625%
HK$14,100
+HK$809/mo
Deposit HK$2.74M · loan HK$2.74M · min. income ≈ HK$26,582/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$123,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,914
−HK$751/mo
▼ 0.25% · 3.875%
HK$14,287
−HK$378/mo
Today · 4.125%
HK$14,665
baseline
▲ 0.50% · 4.625%
HK$15,438
+HK$773/mo
Deposit HK$2.74M · loan HK$2.74M · min. income ≈ HK$29,330/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$123,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,008
−HK$941/mo
▼ 0.25% · 3.875%
HK$15,475
−HK$474/mo
Today · 4.125%
HK$15,949
baseline
▲ 0.50% · 4.625%
HK$16,920
+HK$971/mo
Deposit HK$2.19M · loan HK$3.29M · min. income ≈ HK$31,898/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,696
−HK$902/mo
▼ 0.25% · 3.875%
HK$17,144
−HK$454/mo
Today · 4.125%
HK$17,598
baseline
▲ 0.50% · 4.625%
HK$18,526
+HK$928/mo
Deposit HK$2.19M · loan HK$3.29M · min. income ≈ HK$35,196/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,509
−HK$1,098/mo
▼ 0.25% · 3.875%
HK$18,054
−HK$553/mo
Today · 4.125%
HK$18,607
baseline
▲ 0.50% · 4.625%
HK$19,740
+HK$1,133/mo
Deposit HK$1.65M · loan HK$3.84M · min. income ≈ HK$37,214/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,479
−HK$1,053/mo
▼ 0.25% · 3.875%
HK$20,002
−HK$530/mo
Today · 4.125%
HK$20,532
baseline
▲ 0.50% · 4.625%
HK$21,614
+HK$1,082/mo
Deposit HK$1.65M · loan HK$3.84M · min. income ≈ HK$41,064/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,512
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$23,212
−HK$712/mo
Today · 4.125%
HK$23,924
baseline
▲ 0.50% · 4.625%
HK$25,380
+HK$1,456/mo
Deposit HK$548K · loan HK$4.94M · min. income ≈ HK$47,848/mo (50% DSR)
Upfront cash ≈ HK$672K (deposit + AVD stamp duty HK$123,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,045
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$25,716
−HK$682/mo
Today · 4.125%
HK$26,398
baseline
▲ 0.50% · 4.625%
HK$27,789
+HK$1,391/mo
Deposit HK$548K · loan HK$4.94M · min. income ≈ HK$52,796/mo (50% DSR)
Upfront cash ≈ HK$672K (deposit + AVD stamp duty HK$123,409 · 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).