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$12,490
−HK$784/mo
▼ 0.25% · 3.875%
HK$12,879
−HK$395/mo
Today · 4.125%
HK$13,274
baseline
▲ 0.50% · 4.625%
HK$14,081
+HK$807/mo
Deposit HK$2.74M · loan HK$2.74M · min. income ≈ HK$26,548/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$123,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,895
−HK$751/mo
▼ 0.25% · 3.875%
HK$14,268
−HK$378/mo
Today · 4.125%
HK$14,646
baseline
▲ 0.50% · 4.625%
HK$15,418
+HK$772/mo
Deposit HK$2.74M · loan HK$2.74M · min. income ≈ HK$29,292/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$123,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,988
−HK$940/mo
▼ 0.25% · 3.875%
HK$15,455
−HK$473/mo
Today · 4.125%
HK$15,928
baseline
▲ 0.50% · 4.625%
HK$16,898
+HK$970/mo
Deposit HK$2.19M · loan HK$3.29M · min. income ≈ HK$31,856/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$123,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,675
−HK$900/mo
▼ 0.25% · 3.875%
HK$17,122
−HK$453/mo
Today · 4.125%
HK$17,575
baseline
▲ 0.50% · 4.625%
HK$18,502
+HK$927/mo
Deposit HK$2.19M · loan HK$3.29M · min. income ≈ HK$35,150/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$123,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,487
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$18,031
−HK$552/mo
Today · 4.125%
HK$18,583
baseline
▲ 0.50% · 4.625%
HK$19,714
+HK$1,131/mo
Deposit HK$1.64M · loan HK$3.83M · min. income ≈ HK$37,166/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,454
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$19,975
−HK$530/mo
Today · 4.125%
HK$20,505
baseline
▲ 0.50% · 4.625%
HK$21,585
+HK$1,080/mo
Deposit HK$1.64M · loan HK$3.83M · min. income ≈ HK$41,010/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,483
−HK$1,410/mo
▼ 0.25% · 3.875%
HK$23,182
−HK$711/mo
Today · 4.125%
HK$23,893
baseline
▲ 0.50% · 4.625%
HK$25,346
+HK$1,453/mo
Deposit HK$548K · loan HK$4.93M · min. income ≈ HK$47,786/mo (50% DSR)
Upfront cash ≈ HK$671K (deposit + AVD stamp duty HK$123,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,012
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$25,683
−HK$680/mo
Today · 4.125%
HK$26,363
baseline
▲ 0.50% · 4.625%
HK$27,753
+HK$1,390/mo
Deposit HK$548K · loan HK$4.93M · min. income ≈ HK$52,726/mo (50% DSR)
Upfront cash ≈ HK$671K (deposit + AVD stamp duty HK$123,247 · 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).