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$12,515
−HK$785/mo
▼ 0.25% · 3.875%
HK$12,904
−HK$396/mo
Today · 4.125%
HK$13,300
baseline
▲ 0.50% · 4.625%
HK$14,109
+HK$809/mo
Deposit HK$2.74M · loan HK$2.74M · min. income ≈ HK$26,600/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$123,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,923
−HK$752/mo
▼ 0.25% · 3.875%
HK$14,296
−HK$379/mo
Today · 4.125%
HK$14,675
baseline
▲ 0.50% · 4.625%
HK$15,448
+HK$773/mo
Deposit HK$2.74M · loan HK$2.74M · min. income ≈ HK$29,350/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$123,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,018
−HK$941/mo
▼ 0.25% · 3.875%
HK$15,485
−HK$474/mo
Today · 4.125%
HK$15,959
baseline
▲ 0.50% · 4.625%
HK$16,931
+HK$972/mo
Deposit HK$2.20M · loan HK$3.29M · min. income ≈ HK$31,918/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,707
−HK$903/mo
▼ 0.25% · 3.875%
HK$17,155
−HK$455/mo
Today · 4.125%
HK$17,610
baseline
▲ 0.50% · 4.625%
HK$18,538
+HK$928/mo
Deposit HK$2.20M · loan HK$3.29M · min. income ≈ HK$35,220/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,521
−HK$1,098/mo
▼ 0.25% · 3.875%
HK$18,066
−HK$553/mo
Today · 4.125%
HK$18,619
baseline
▲ 0.50% · 4.625%
HK$19,752
+HK$1,133/mo
Deposit HK$1.65M · loan HK$3.84M · min. income ≈ HK$37,238/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,492
−HK$1,053/mo
▼ 0.25% · 3.875%
HK$20,014
−HK$531/mo
Today · 4.125%
HK$20,545
baseline
▲ 0.50% · 4.625%
HK$21,628
+HK$1,083/mo
Deposit HK$1.65M · loan HK$3.84M · min. income ≈ HK$41,090/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,527
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$23,227
−HK$712/mo
Today · 4.125%
HK$23,939
baseline
▲ 0.50% · 4.625%
HK$25,396
+HK$1,457/mo
Deposit HK$549K · loan HK$4.94M · min. income ≈ HK$47,878/mo (50% DSR)
Upfront cash ≈ HK$672K (deposit + AVD stamp duty HK$123,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,061
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$25,733
−HK$681/mo
Today · 4.125%
HK$26,414
baseline
▲ 0.50% · 4.625%
HK$27,807
+HK$1,393/mo
Deposit HK$549K · loan HK$4.94M · min. income ≈ HK$52,828/mo (50% DSR)
Upfront cash ≈ HK$672K (deposit + AVD stamp duty HK$123,487 · 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).