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$12,470
−HK$782/mo
▼ 0.25% · 3.875%
HK$12,858
−HK$394/mo
Today · 4.125%
HK$13,252
baseline
▲ 0.50% · 4.625%
HK$14,058
+HK$806/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$26,504/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$123,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,872
−HK$750/mo
▼ 0.25% · 3.875%
HK$14,245
−HK$377/mo
Today · 4.125%
HK$14,622
baseline
▲ 0.50% · 4.625%
HK$15,393
+HK$771/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$29,244/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$123,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,964
−HK$938/mo
▼ 0.25% · 3.875%
HK$15,429
−HK$473/mo
Today · 4.125%
HK$15,902
baseline
▲ 0.50% · 4.625%
HK$16,870
+HK$968/mo
Deposit HK$2.19M · loan HK$3.28M · min. income ≈ HK$31,804/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$123,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,647
−HK$899/mo
▼ 0.25% · 3.875%
HK$17,093
−HK$453/mo
Today · 4.125%
HK$17,546
baseline
▲ 0.50% · 4.625%
HK$18,471
+HK$925/mo
Deposit HK$2.19M · loan HK$3.28M · min. income ≈ HK$35,092/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$123,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,458
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$18,001
−HK$551/mo
Today · 4.125%
HK$18,552
baseline
▲ 0.50% · 4.625%
HK$19,681
+HK$1,129/mo
Deposit HK$1.64M · loan HK$3.83M · min. income ≈ HK$37,104/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$123,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,421
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$19,942
−HK$529/mo
Today · 4.125%
HK$20,471
baseline
▲ 0.50% · 4.625%
HK$21,550
+HK$1,079/mo
Deposit HK$1.64M · loan HK$3.83M · min. income ≈ HK$40,942/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$123,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,446
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$23,144
−HK$709/mo
Today · 4.125%
HK$23,853
baseline
▲ 0.50% · 4.625%
HK$25,305
+HK$1,452/mo
Deposit HK$547K · loan HK$4.92M · min. income ≈ HK$47,706/mo (50% DSR)
Upfront cash ≈ HK$670K (deposit + AVD stamp duty HK$123,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,970
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$25,640
−HK$680/mo
Today · 4.125%
HK$26,320
baseline
▲ 0.50% · 4.625%
HK$27,707
+HK$1,387/mo
Deposit HK$547K · loan HK$4.92M · min. income ≈ HK$52,640/mo (50% DSR)
Upfront cash ≈ HK$670K (deposit + AVD stamp duty HK$123,044 · 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).