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$12,508
−HK$785/mo
▼ 0.25% · 3.875%
HK$12,898
−HK$395/mo
Today · 4.125%
HK$13,293
baseline
▲ 0.50% · 4.625%
HK$14,102
+HK$809/mo
Deposit HK$2.74M · loan HK$2.74M · min. income ≈ HK$26,586/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$123,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,916
−HK$751/mo
▼ 0.25% · 3.875%
HK$14,289
−HK$378/mo
Today · 4.125%
HK$14,667
baseline
▲ 0.50% · 4.625%
HK$15,441
+HK$774/mo
Deposit HK$2.74M · loan HK$2.74M · min. income ≈ HK$29,334/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$123,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,010
−HK$941/mo
▼ 0.25% · 3.875%
HK$15,477
−HK$474/mo
Today · 4.125%
HK$15,951
baseline
▲ 0.50% · 4.625%
HK$16,922
+HK$971/mo
Deposit HK$2.19M · loan HK$3.29M · min. income ≈ HK$31,902/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,699
−HK$902/mo
▼ 0.25% · 3.875%
HK$17,147
−HK$454/mo
Today · 4.125%
HK$17,601
baseline
▲ 0.50% · 4.625%
HK$18,529
+HK$928/mo
Deposit HK$2.19M · loan HK$3.29M · min. income ≈ HK$35,202/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,512
−HK$1,098/mo
▼ 0.25% · 3.875%
HK$18,057
−HK$553/mo
Today · 4.125%
HK$18,610
baseline
▲ 0.50% · 4.625%
HK$19,742
+HK$1,132/mo
Deposit HK$1.65M · loan HK$3.84M · min. income ≈ HK$37,220/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,482
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$20,004
−HK$530/mo
Today · 4.125%
HK$20,534
baseline
▲ 0.50% · 4.625%
HK$21,617
+HK$1,083/mo
Deposit HK$1.65M · loan HK$3.84M · min. income ≈ HK$41,068/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,515
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$23,216
−HK$711/mo
Today · 4.125%
HK$23,927
baseline
▲ 0.50% · 4.625%
HK$25,383
+HK$1,456/mo
Deposit HK$549K · loan HK$4.94M · min. income ≈ HK$47,854/mo (50% DSR)
Upfront cash ≈ HK$672K (deposit + AVD stamp duty HK$123,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,048
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$25,720
−HK$681/mo
Today · 4.125%
HK$26,401
baseline
▲ 0.50% · 4.625%
HK$27,793
+HK$1,392/mo
Deposit HK$549K · loan HK$4.94M · min. income ≈ HK$52,802/mo (50% DSR)
Upfront cash ≈ HK$672K (deposit + AVD stamp duty HK$123,426 · 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).