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$12,417
−HK$779/mo
▼ 0.25% · 3.875%
HK$12,803
−HK$393/mo
Today · 4.125%
HK$13,196
baseline
▲ 0.50% · 4.625%
HK$13,999
+HK$803/mo
Deposit HK$2.72M · loan HK$2.72M · min. income ≈ HK$26,392/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$122,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,814
−HK$746/mo
▼ 0.25% · 3.875%
HK$14,184
−HK$376/mo
Today · 4.125%
HK$14,560
baseline
▲ 0.50% · 4.625%
HK$15,328
+HK$768/mo
Deposit HK$2.72M · loan HK$2.72M · min. income ≈ HK$29,120/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$122,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,901
−HK$934/mo
▼ 0.25% · 3.875%
HK$15,364
−HK$471/mo
Today · 4.125%
HK$15,835
baseline
▲ 0.50% · 4.625%
HK$16,798
+HK$963/mo
Deposit HK$2.18M · loan HK$3.27M · min. income ≈ HK$31,670/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,577
−HK$895/mo
▼ 0.25% · 3.875%
HK$17,021
−HK$451/mo
Today · 4.125%
HK$17,472
baseline
▲ 0.50% · 4.625%
HK$18,393
+HK$921/mo
Deposit HK$2.18M · loan HK$3.27M · min. income ≈ HK$34,944/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,384
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$17,925
−HK$549/mo
Today · 4.125%
HK$18,474
baseline
▲ 0.50% · 4.625%
HK$19,598
+HK$1,124/mo
Deposit HK$1.63M · loan HK$3.81M · min. income ≈ HK$36,948/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,340
−HK$1,044/mo
▼ 0.25% · 3.875%
HK$19,858
−HK$526/mo
Today · 4.125%
HK$20,384
baseline
▲ 0.50% · 4.625%
HK$21,459
+HK$1,075/mo
Deposit HK$1.63M · loan HK$3.81M · min. income ≈ HK$40,768/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,351
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$23,046
−HK$706/mo
Today · 4.125%
HK$23,752
baseline
▲ 0.50% · 4.625%
HK$25,198
+HK$1,446/mo
Deposit HK$545K · loan HK$4.90M · min. income ≈ HK$47,504/mo (50% DSR)
Upfront cash ≈ HK$667K (deposit + AVD stamp duty HK$122,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,865
−HK$1,343/mo
▼ 0.25% · 3.875%
HK$25,532
−HK$676/mo
Today · 4.125%
HK$26,208
baseline
▲ 0.50% · 4.625%
HK$27,590
+HK$1,382/mo
Deposit HK$545K · loan HK$4.90M · min. income ≈ HK$52,416/mo (50% DSR)
Upfront cash ≈ HK$667K (deposit + AVD stamp duty HK$122,524 · 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).