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$12,494
−HK$783/mo
▼ 0.25% · 3.875%
HK$12,882
−HK$395/mo
Today · 4.125%
HK$13,277
baseline
▲ 0.50% · 4.625%
HK$14,085
+HK$808/mo
Deposit HK$2.74M · loan HK$2.74M · min. income ≈ HK$26,554/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$123,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,899
−HK$751/mo
▼ 0.25% · 3.875%
HK$14,272
−HK$378/mo
Today · 4.125%
HK$14,650
baseline
▲ 0.50% · 4.625%
HK$15,422
+HK$772/mo
Deposit HK$2.74M · loan HK$2.74M · min. income ≈ HK$29,300/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$123,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,993
−HK$940/mo
▼ 0.25% · 3.875%
HK$15,459
−HK$474/mo
Today · 4.125%
HK$15,933
baseline
▲ 0.50% · 4.625%
HK$16,902
+HK$969/mo
Deposit HK$2.19M · loan HK$3.29M · min. income ≈ HK$31,866/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$123,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,679
−HK$901/mo
▼ 0.25% · 3.875%
HK$17,126
−HK$454/mo
Today · 4.125%
HK$17,580
baseline
▲ 0.50% · 4.625%
HK$18,507
+HK$927/mo
Deposit HK$2.19M · loan HK$3.29M · min. income ≈ HK$35,160/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$123,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,491
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$18,035
−HK$553/mo
Today · 4.125%
HK$18,588
baseline
▲ 0.50% · 4.625%
HK$19,719
+HK$1,131/mo
Deposit HK$1.64M · loan HK$3.84M · min. income ≈ HK$37,176/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,459
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$19,981
−HK$529/mo
Today · 4.125%
HK$20,510
baseline
▲ 0.50% · 4.625%
HK$21,591
+HK$1,081/mo
Deposit HK$1.64M · loan HK$3.84M · min. income ≈ HK$41,020/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,489
−HK$1,410/mo
▼ 0.25% · 3.875%
HK$23,188
−HK$711/mo
Today · 4.125%
HK$23,899
baseline
▲ 0.50% · 4.625%
HK$25,353
+HK$1,454/mo
Deposit HK$548K · loan HK$4.93M · min. income ≈ HK$47,798/mo (50% DSR)
Upfront cash ≈ HK$671K (deposit + AVD stamp duty HK$123,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,019
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$25,690
−HK$680/mo
Today · 4.125%
HK$26,370
baseline
▲ 0.50% · 4.625%
HK$27,760
+HK$1,390/mo
Deposit HK$548K · loan HK$4.93M · min. income ≈ HK$52,740/mo (50% DSR)
Upfront cash ≈ HK$671K (deposit + AVD stamp duty HK$123,281 · 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).