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$12,428
−HK$779/mo
▼ 0.25% · 3.875%
HK$12,814
−HK$393/mo
Today · 4.125%
HK$13,207
baseline
▲ 0.50% · 4.625%
HK$14,011
+HK$804/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$26,414/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$122,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,826
−HK$747/mo
▼ 0.25% · 3.875%
HK$14,197
−HK$376/mo
Today · 4.125%
HK$14,573
baseline
▲ 0.50% · 4.625%
HK$15,341
+HK$768/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$29,146/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$122,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,913
−HK$935/mo
▼ 0.25% · 3.875%
HK$15,377
−HK$471/mo
Today · 4.125%
HK$15,848
baseline
▲ 0.50% · 4.625%
HK$16,813
+HK$965/mo
Deposit HK$2.18M · loan HK$3.27M · min. income ≈ HK$31,696/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,591
−HK$896/mo
▼ 0.25% · 3.875%
HK$17,036
−HK$451/mo
Today · 4.125%
HK$17,487
baseline
▲ 0.50% · 4.625%
HK$18,409
+HK$922/mo
Deposit HK$2.18M · loan HK$3.27M · min. income ≈ HK$34,974/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,399
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$17,940
−HK$550/mo
Today · 4.125%
HK$18,490
baseline
▲ 0.50% · 4.625%
HK$19,615
+HK$1,125/mo
Deposit HK$1.64M · loan HK$3.82M · min. income ≈ HK$36,980/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,356
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$19,875
−HK$527/mo
Today · 4.125%
HK$20,402
baseline
▲ 0.50% · 4.625%
HK$21,477
+HK$1,075/mo
Deposit HK$1.64M · loan HK$3.82M · min. income ≈ HK$40,804/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,370
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$23,066
−HK$707/mo
Today · 4.125%
HK$23,773
baseline
▲ 0.50% · 4.625%
HK$25,219
+HK$1,446/mo
Deposit HK$545K · loan HK$4.91M · min. income ≈ HK$47,546/mo (50% DSR)
Upfront cash ≈ HK$668K (deposit + AVD stamp duty HK$122,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,886
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$25,554
−HK$677/mo
Today · 4.125%
HK$26,231
baseline
▲ 0.50% · 4.625%
HK$27,614
+HK$1,383/mo
Deposit HK$545K · loan HK$4.91M · min. income ≈ HK$52,462/mo (50% DSR)
Upfront cash ≈ HK$668K (deposit + AVD stamp duty HK$122,629 · 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).