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$12,488
−HK$783/mo
▼ 0.25% · 3.875%
HK$12,877
−HK$394/mo
Today · 4.125%
HK$13,271
baseline
▲ 0.50% · 4.625%
HK$14,079
+HK$808/mo
Deposit HK$2.74M · loan HK$2.74M · min. income ≈ HK$26,542/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$123,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,893
−HK$751/mo
▼ 0.25% · 3.875%
HK$14,266
−HK$378/mo
Today · 4.125%
HK$14,644
baseline
▲ 0.50% · 4.625%
HK$15,416
+HK$772/mo
Deposit HK$2.74M · loan HK$2.74M · min. income ≈ HK$29,288/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$123,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,986
−HK$940/mo
▼ 0.25% · 3.875%
HK$15,452
−HK$474/mo
Today · 4.125%
HK$15,926
baseline
▲ 0.50% · 4.625%
HK$16,895
+HK$969/mo
Deposit HK$2.19M · loan HK$3.29M · min. income ≈ HK$31,852/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$123,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,672
−HK$900/mo
▼ 0.25% · 3.875%
HK$17,119
−HK$453/mo
Today · 4.125%
HK$17,572
baseline
▲ 0.50% · 4.625%
HK$18,499
+HK$927/mo
Deposit HK$2.19M · loan HK$3.29M · min. income ≈ HK$35,144/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$123,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,484
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$18,028
−HK$552/mo
Today · 4.125%
HK$18,580
baseline
▲ 0.50% · 4.625%
HK$19,711
+HK$1,131/mo
Deposit HK$1.64M · loan HK$3.83M · min. income ≈ HK$37,160/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,450
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$19,972
−HK$529/mo
Today · 4.125%
HK$20,501
baseline
▲ 0.50% · 4.625%
HK$21,582
+HK$1,081/mo
Deposit HK$1.64M · loan HK$3.83M · min. income ≈ HK$41,002/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,479
−HK$1,410/mo
▼ 0.25% · 3.875%
HK$23,178
−HK$711/mo
Today · 4.125%
HK$23,889
baseline
▲ 0.50% · 4.625%
HK$25,342
+HK$1,453/mo
Deposit HK$548K · loan HK$4.93M · min. income ≈ HK$47,778/mo (50% DSR)
Upfront cash ≈ HK$671K (deposit + AVD stamp duty HK$123,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,008
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$25,678
−HK$681/mo
Today · 4.125%
HK$26,359
baseline
▲ 0.50% · 4.625%
HK$27,748
+HK$1,389/mo
Deposit HK$548K · loan HK$4.93M · min. income ≈ HK$52,718/mo (50% DSR)
Upfront cash ≈ HK$671K (deposit + AVD stamp duty HK$123,227 · 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).