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$12,512
−HK$784/mo
▼ 0.25% · 3.875%
HK$12,901
−HK$395/mo
Today · 4.125%
HK$13,296
baseline
▲ 0.50% · 4.625%
HK$14,105
+HK$809/mo
Deposit HK$2.74M · loan HK$2.74M · min. income ≈ HK$26,592/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$123,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,919
−HK$752/mo
▼ 0.25% · 3.875%
HK$14,293
−HK$378/mo
Today · 4.125%
HK$14,671
baseline
▲ 0.50% · 4.625%
HK$15,445
+HK$774/mo
Deposit HK$2.74M · loan HK$2.74M · min. income ≈ HK$29,342/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$123,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,014
−HK$942/mo
▼ 0.25% · 3.875%
HK$15,481
−HK$475/mo
Today · 4.125%
HK$15,956
baseline
▲ 0.50% · 4.625%
HK$16,927
+HK$971/mo
Deposit HK$2.19M · loan HK$3.29M · min. income ≈ HK$31,912/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,703
−HK$903/mo
▼ 0.25% · 3.875%
HK$17,151
−HK$455/mo
Today · 4.125%
HK$17,606
baseline
▲ 0.50% · 4.625%
HK$18,534
+HK$928/mo
Deposit HK$2.19M · loan HK$3.29M · min. income ≈ HK$35,212/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,517
−HK$1,098/mo
▼ 0.25% · 3.875%
HK$18,061
−HK$554/mo
Today · 4.125%
HK$18,615
baseline
▲ 0.50% · 4.625%
HK$19,748
+HK$1,133/mo
Deposit HK$1.65M · loan HK$3.84M · min. income ≈ HK$37,230/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,487
−HK$1,053/mo
▼ 0.25% · 3.875%
HK$20,010
−HK$530/mo
Today · 4.125%
HK$20,540
baseline
▲ 0.50% · 4.625%
HK$21,622
+HK$1,082/mo
Deposit HK$1.65M · loan HK$3.84M · min. income ≈ HK$41,080/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,521
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$23,222
−HK$712/mo
Today · 4.125%
HK$23,934
baseline
▲ 0.50% · 4.625%
HK$25,390
+HK$1,456/mo
Deposit HK$549K · loan HK$4.94M · min. income ≈ HK$47,868/mo (50% DSR)
Upfront cash ≈ HK$672K (deposit + AVD stamp duty HK$123,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,055
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$25,727
−HK$681/mo
Today · 4.125%
HK$26,408
baseline
▲ 0.50% · 4.625%
HK$27,800
+HK$1,392/mo
Deposit HK$549K · loan HK$4.94M · min. income ≈ HK$52,816/mo (50% DSR)
Upfront cash ≈ HK$672K (deposit + AVD stamp duty HK$123,458 · 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).