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$12,466
−HK$782/mo
▼ 0.25% · 3.875%
HK$12,854
−HK$394/mo
Today · 4.125%
HK$13,248
baseline
▲ 0.50% · 4.625%
HK$14,054
+HK$806/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$26,496/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$123,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,868
−HK$750/mo
▼ 0.25% · 3.875%
HK$14,240
−HK$378/mo
Today · 4.125%
HK$14,618
baseline
▲ 0.50% · 4.625%
HK$15,388
+HK$770/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$29,236/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$123,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,959
−HK$938/mo
▼ 0.25% · 3.875%
HK$15,425
−HK$472/mo
Today · 4.125%
HK$15,897
baseline
▲ 0.50% · 4.625%
HK$16,865
+HK$968/mo
Deposit HK$2.19M · loan HK$3.28M · min. income ≈ HK$31,794/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$123,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,642
−HK$899/mo
▼ 0.25% · 3.875%
HK$17,088
−HK$453/mo
Today · 4.125%
HK$17,541
baseline
▲ 0.50% · 4.625%
HK$18,466
+HK$925/mo
Deposit HK$2.19M · loan HK$3.28M · min. income ≈ HK$35,082/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$123,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,453
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$17,995
−HK$552/mo
Today · 4.125%
HK$18,547
baseline
▲ 0.50% · 4.625%
HK$19,675
+HK$1,128/mo
Deposit HK$1.64M · loan HK$3.83M · min. income ≈ HK$37,094/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$123,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,416
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$19,936
−HK$529/mo
Today · 4.125%
HK$20,465
baseline
▲ 0.50% · 4.625%
HK$21,543
+HK$1,078/mo
Deposit HK$1.64M · loan HK$3.83M · min. income ≈ HK$40,930/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$123,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,439
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$23,137
−HK$709/mo
Today · 4.125%
HK$23,846
baseline
▲ 0.50% · 4.625%
HK$25,297
+HK$1,451/mo
Deposit HK$547K · loan HK$4.92M · min. income ≈ HK$47,692/mo (50% DSR)
Upfront cash ≈ HK$670K (deposit + AVD stamp duty HK$123,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,963
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$25,633
−HK$679/mo
Today · 4.125%
HK$26,312
baseline
▲ 0.50% · 4.625%
HK$27,699
+HK$1,387/mo
Deposit HK$547K · loan HK$4.92M · min. income ≈ HK$52,624/mo (50% DSR)
Upfront cash ≈ HK$670K (deposit + AVD stamp duty HK$123,007 · 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).