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$12,441
−HK$781/mo
▼ 0.25% · 3.875%
HK$12,828
−HK$394/mo
Today · 4.125%
HK$13,222
baseline
▲ 0.50% · 4.625%
HK$14,026
+HK$804/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$26,444/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$122,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,841
−HK$748/mo
▼ 0.25% · 3.875%
HK$14,212
−HK$377/mo
Today · 4.125%
HK$14,589
baseline
▲ 0.50% · 4.625%
HK$15,358
+HK$769/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$29,178/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$122,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,930
−HK$936/mo
▼ 0.25% · 3.875%
HK$15,394
−HK$472/mo
Today · 4.125%
HK$15,866
baseline
▲ 0.50% · 4.625%
HK$16,831
+HK$965/mo
Deposit HK$2.18M · loan HK$3.27M · min. income ≈ HK$31,732/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$122,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,609
−HK$897/mo
▼ 0.25% · 3.875%
HK$17,055
−HK$451/mo
Today · 4.125%
HK$17,506
baseline
▲ 0.50% · 4.625%
HK$18,429
+HK$923/mo
Deposit HK$2.18M · loan HK$3.27M · min. income ≈ HK$35,012/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$122,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,418
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$17,960
−HK$550/mo
Today · 4.125%
HK$18,510
baseline
▲ 0.50% · 4.625%
HK$19,636
+HK$1,126/mo
Deposit HK$1.64M · loan HK$3.82M · min. income ≈ HK$37,020/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,377
−HK$1,047/mo
▼ 0.25% · 3.875%
HK$19,897
−HK$527/mo
Today · 4.125%
HK$20,424
baseline
▲ 0.50% · 4.625%
HK$21,501
+HK$1,077/mo
Deposit HK$1.64M · loan HK$3.82M · min. income ≈ HK$40,848/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,394
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$23,091
−HK$708/mo
Today · 4.125%
HK$23,799
baseline
▲ 0.50% · 4.625%
HK$25,247
+HK$1,448/mo
Deposit HK$546K · loan HK$4.91M · min. income ≈ HK$47,598/mo (50% DSR)
Upfront cash ≈ HK$668K (deposit + AVD stamp duty HK$122,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,914
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$25,582
−HK$678/mo
Today · 4.125%
HK$26,260
baseline
▲ 0.50% · 4.625%
HK$27,644
+HK$1,384/mo
Deposit HK$546K · loan HK$4.91M · min. income ≈ HK$52,520/mo (50% DSR)
Upfront cash ≈ HK$668K (deposit + AVD stamp duty HK$122,763 · 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).