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$12,460
−HK$781/mo
▼ 0.25% · 3.875%
HK$12,848
−HK$393/mo
Today · 4.125%
HK$13,241
baseline
▲ 0.50% · 4.625%
HK$14,047
+HK$806/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$26,482/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$122,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,862
−HK$749/mo
▼ 0.25% · 3.875%
HK$14,234
−HK$377/mo
Today · 4.125%
HK$14,611
baseline
▲ 0.50% · 4.625%
HK$15,381
+HK$770/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$29,222/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$122,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,952
−HK$938/mo
▼ 0.25% · 3.875%
HK$15,417
−HK$473/mo
Today · 4.125%
HK$15,890
baseline
▲ 0.50% · 4.625%
HK$16,857
+HK$967/mo
Deposit HK$2.19M · loan HK$3.28M · min. income ≈ HK$31,780/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$122,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,634
−HK$899/mo
▼ 0.25% · 3.875%
HK$17,080
−HK$453/mo
Today · 4.125%
HK$17,533
baseline
▲ 0.50% · 4.625%
HK$18,457
+HK$924/mo
Deposit HK$2.19M · loan HK$3.28M · min. income ≈ HK$35,066/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$122,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,444
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$17,987
−HK$551/mo
Today · 4.125%
HK$18,538
baseline
▲ 0.50% · 4.625%
HK$19,666
+HK$1,128/mo
Deposit HK$1.64M · loan HK$3.83M · min. income ≈ HK$37,076/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,406
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$19,927
−HK$528/mo
Today · 4.125%
HK$20,455
baseline
▲ 0.50% · 4.625%
HK$21,533
+HK$1,078/mo
Deposit HK$1.64M · loan HK$3.83M · min. income ≈ HK$40,910/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,428
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$23,126
−HK$709/mo
Today · 4.125%
HK$23,835
baseline
▲ 0.50% · 4.625%
HK$25,285
+HK$1,450/mo
Deposit HK$546K · loan HK$4.92M · min. income ≈ HK$47,670/mo (50% DSR)
Upfront cash ≈ HK$669K (deposit + AVD stamp duty HK$122,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,951
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$25,620
−HK$679/mo
Today · 4.125%
HK$26,299
baseline
▲ 0.50% · 4.625%
HK$27,685
+HK$1,386/mo
Deposit HK$546K · loan HK$4.92M · min. income ≈ HK$52,598/mo (50% DSR)
Upfront cash ≈ HK$669K (deposit + AVD stamp duty HK$122,948 · 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).