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$12,511
−HK$785/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$123,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,919
−HK$752/mo
▼ 0.25% · 3.875%
HK$14,292
−HK$379/mo
Today · 4.125%
HK$14,671
baseline
▲ 0.50% · 4.625%
HK$15,444
+HK$773/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$123,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,014
−HK$941/mo
▼ 0.25% · 3.875%
HK$15,481
−HK$474/mo
Today · 4.125%
HK$15,955
baseline
▲ 0.50% · 4.625%
HK$16,926
+HK$971/mo
Deposit HK$2.19M · loan HK$3.29M · min. income ≈ HK$31,910/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,703
−HK$902/mo
▼ 0.25% · 3.875%
HK$17,151
−HK$454/mo
Today · 4.125%
HK$17,605
baseline
▲ 0.50% · 4.625%
HK$18,533
+HK$928/mo
Deposit HK$2.19M · loan HK$3.29M · min. income ≈ HK$35,210/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,516
−HK$1,098/mo
▼ 0.25% · 3.875%
HK$18,061
−HK$553/mo
Today · 4.125%
HK$18,614
baseline
▲ 0.50% · 4.625%
HK$19,747
+HK$1,133/mo
Deposit HK$1.65M · loan HK$3.84M · min. income ≈ HK$37,228/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,486
−HK$1,053/mo
▼ 0.25% · 3.875%
HK$20,009
−HK$530/mo
Today · 4.125%
HK$20,539
baseline
▲ 0.50% · 4.625%
HK$21,622
+HK$1,083/mo
Deposit HK$1.65M · loan HK$3.84M · min. income ≈ HK$41,078/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,521
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$23,221
−HK$712/mo
Today · 4.125%
HK$23,933
baseline
▲ 0.50% · 4.625%
HK$25,389
+HK$1,456/mo
Deposit HK$549K · loan HK$4.94M · min. income ≈ HK$47,866/mo (50% DSR)
Upfront cash ≈ HK$672K (deposit + AVD stamp duty HK$123,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,054
−HK$1,354/mo
▼ 0.25% · 3.875%
HK$25,726
−HK$682/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$123,455 · 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).