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$12,464
−HK$782/mo
▼ 0.25% · 3.875%
HK$12,852
−HK$394/mo
Today · 4.125%
HK$13,246
baseline
▲ 0.50% · 4.625%
HK$14,052
+HK$806/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$26,492/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$122,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,866
−HK$749/mo
▼ 0.25% · 3.875%
HK$14,238
−HK$377/mo
Today · 4.125%
HK$14,615
baseline
▲ 0.50% · 4.625%
HK$15,386
+HK$771/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$29,230/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$122,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,957
−HK$938/mo
▼ 0.25% · 3.875%
HK$15,422
−HK$473/mo
Today · 4.125%
HK$15,895
baseline
▲ 0.50% · 4.625%
HK$16,862
+HK$967/mo
Deposit HK$2.19M · loan HK$3.28M · min. income ≈ HK$31,790/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$122,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,639
−HK$899/mo
▼ 0.25% · 3.875%
HK$17,086
−HK$452/mo
Today · 4.125%
HK$17,538
baseline
▲ 0.50% · 4.625%
HK$18,463
+HK$925/mo
Deposit HK$2.19M · loan HK$3.28M · min. income ≈ HK$35,076/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$122,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,450
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$17,993
−HK$551/mo
Today · 4.125%
HK$18,544
baseline
▲ 0.50% · 4.625%
HK$19,672
+HK$1,128/mo
Deposit HK$1.64M · loan HK$3.83M · min. income ≈ HK$37,088/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,413
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$19,933
−HK$528/mo
Today · 4.125%
HK$20,461
baseline
▲ 0.50% · 4.625%
HK$21,540
+HK$1,079/mo
Deposit HK$1.64M · loan HK$3.83M · min. income ≈ HK$40,922/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,435
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$23,133
−HK$709/mo
Today · 4.125%
HK$23,842
baseline
▲ 0.50% · 4.625%
HK$25,293
+HK$1,451/mo
Deposit HK$547K · loan HK$4.92M · min. income ≈ HK$47,684/mo (50% DSR)
Upfront cash ≈ HK$670K (deposit + AVD stamp duty HK$122,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,959
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$25,629
−HK$679/mo
Today · 4.125%
HK$26,308
baseline
▲ 0.50% · 4.625%
HK$27,694
+HK$1,386/mo
Deposit HK$547K · loan HK$4.92M · min. income ≈ HK$52,616/mo (50% DSR)
Upfront cash ≈ HK$670K (deposit + AVD stamp duty HK$122,988 · 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).