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$12,472
−HK$782/mo
▼ 0.25% · 3.875%
HK$12,860
−HK$394/mo
Today · 4.125%
HK$13,254
baseline
▲ 0.50% · 4.625%
HK$14,061
+HK$807/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$26,508/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$123,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,875
−HK$750/mo
▼ 0.25% · 3.875%
HK$14,247
−HK$378/mo
Today · 4.125%
HK$14,625
baseline
▲ 0.50% · 4.625%
HK$15,396
+HK$771/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$29,250/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$123,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,966
−HK$939/mo
▼ 0.25% · 3.875%
HK$15,432
−HK$473/mo
Today · 4.125%
HK$15,905
baseline
▲ 0.50% · 4.625%
HK$16,873
+HK$968/mo
Deposit HK$2.19M · loan HK$3.28M · min. income ≈ HK$31,810/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$123,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,650
−HK$900/mo
▼ 0.25% · 3.875%
HK$17,097
−HK$453/mo
Today · 4.125%
HK$17,550
baseline
▲ 0.50% · 4.625%
HK$18,475
+HK$925/mo
Deposit HK$2.19M · loan HK$3.28M · min. income ≈ HK$35,100/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$123,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,461
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$18,004
−HK$552/mo
Today · 4.125%
HK$18,556
baseline
▲ 0.50% · 4.625%
HK$19,685
+HK$1,129/mo
Deposit HK$1.64M · loan HK$3.83M · min. income ≈ HK$37,112/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$123,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,425
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$19,946
−HK$528/mo
Today · 4.125%
HK$20,474
baseline
▲ 0.50% · 4.625%
HK$21,554
+HK$1,080/mo
Deposit HK$1.64M · loan HK$3.83M · min. income ≈ HK$40,948/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$123,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,450
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$23,148
−HK$709/mo
Today · 4.125%
HK$23,857
baseline
▲ 0.50% · 4.625%
HK$25,309
+HK$1,452/mo
Deposit HK$547K · loan HK$4.92M · min. income ≈ HK$47,714/mo (50% DSR)
Upfront cash ≈ HK$670K (deposit + AVD stamp duty HK$123,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,975
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$25,645
−HK$679/mo
Today · 4.125%
HK$26,324
baseline
▲ 0.50% · 4.625%
HK$27,712
+HK$1,388/mo
Deposit HK$547K · loan HK$4.92M · min. income ≈ HK$52,648/mo (50% DSR)
Upfront cash ≈ HK$670K (deposit + AVD stamp duty HK$123,066 · 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).