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$12,450
−HK$780/mo
▼ 0.25% · 3.875%
HK$12,837
−HK$393/mo
Today · 4.125%
HK$13,230
baseline
▲ 0.50% · 4.625%
HK$14,035
+HK$805/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$26,460/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$122,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,850
−HK$748/mo
▼ 0.25% · 3.875%
HK$14,221
−HK$377/mo
Today · 4.125%
HK$14,598
baseline
▲ 0.50% · 4.625%
HK$15,368
+HK$770/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$29,196/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$122,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,940
−HK$936/mo
▼ 0.25% · 3.875%
HK$15,404
−HK$472/mo
Today · 4.125%
HK$15,876
baseline
▲ 0.50% · 4.625%
HK$16,842
+HK$966/mo
Deposit HK$2.18M · loan HK$3.28M · min. income ≈ HK$31,752/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$122,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,620
−HK$898/mo
▼ 0.25% · 3.875%
HK$17,066
−HK$452/mo
Today · 4.125%
HK$17,518
baseline
▲ 0.50% · 4.625%
HK$18,441
+HK$923/mo
Deposit HK$2.18M · loan HK$3.28M · min. income ≈ HK$35,036/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$122,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,429
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$17,972
−HK$550/mo
Today · 4.125%
HK$18,522
baseline
▲ 0.50% · 4.625%
HK$19,649
+HK$1,127/mo
Deposit HK$1.64M · loan HK$3.82M · min. income ≈ HK$37,044/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,390
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$19,910
−HK$528/mo
Today · 4.125%
HK$20,438
baseline
▲ 0.50% · 4.625%
HK$21,515
+HK$1,077/mo
Deposit HK$1.64M · loan HK$3.82M · min. income ≈ HK$40,876/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,409
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$23,106
−HK$709/mo
Today · 4.125%
HK$23,815
baseline
▲ 0.50% · 4.625%
HK$25,264
+HK$1,449/mo
Deposit HK$546K · loan HK$4.91M · min. income ≈ HK$47,630/mo (50% DSR)
Upfront cash ≈ HK$669K (deposit + AVD stamp duty HK$122,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,930
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$25,599
−HK$678/mo
Today · 4.125%
HK$26,277
baseline
▲ 0.50% · 4.625%
HK$27,662
+HK$1,385/mo
Deposit HK$546K · loan HK$4.91M · min. income ≈ HK$52,554/mo (50% DSR)
Upfront cash ≈ HK$669K (deposit + AVD stamp duty HK$122,844 · 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).