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$12,488
−HK$783/mo
▼ 0.25% · 3.875%
HK$12,876
−HK$395/mo
Today · 4.125%
HK$13,271
baseline
▲ 0.50% · 4.625%
HK$14,078
+HK$807/mo
Deposit HK$2.74M · loan HK$2.74M · min. income ≈ HK$26,542/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$123,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,893
−HK$750/mo
▼ 0.25% · 3.875%
HK$14,265
−HK$378/mo
Today · 4.125%
HK$14,643
baseline
▲ 0.50% · 4.625%
HK$15,415
+HK$772/mo
Deposit HK$2.74M · loan HK$2.74M · min. income ≈ HK$29,286/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$123,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,985
−HK$940/mo
▼ 0.25% · 3.875%
HK$15,451
−HK$474/mo
Today · 4.125%
HK$15,925
baseline
▲ 0.50% · 4.625%
HK$16,894
+HK$969/mo
Deposit HK$2.19M · loan HK$3.29M · min. income ≈ HK$31,850/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$123,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,671
−HK$901/mo
▼ 0.25% · 3.875%
HK$17,118
−HK$454/mo
Today · 4.125%
HK$17,572
baseline
▲ 0.50% · 4.625%
HK$18,498
+HK$926/mo
Deposit HK$2.19M · loan HK$3.29M · min. income ≈ HK$35,144/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$123,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,483
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$18,027
−HK$552/mo
Today · 4.125%
HK$18,579
baseline
▲ 0.50% · 4.625%
HK$19,710
+HK$1,131/mo
Deposit HK$1.64M · loan HK$3.83M · min. income ≈ HK$37,158/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,450
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$19,971
−HK$529/mo
Today · 4.125%
HK$20,500
baseline
▲ 0.50% · 4.625%
HK$21,581
+HK$1,081/mo
Deposit HK$1.64M · loan HK$3.83M · min. income ≈ HK$41,000/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,478
−HK$1,410/mo
▼ 0.25% · 3.875%
HK$23,177
−HK$711/mo
Today · 4.125%
HK$23,888
baseline
▲ 0.50% · 4.625%
HK$25,341
+HK$1,453/mo
Deposit HK$548K · loan HK$4.93M · min. income ≈ HK$47,776/mo (50% DSR)
Upfront cash ≈ HK$671K (deposit + AVD stamp duty HK$123,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,007
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$25,677
−HK$681/mo
Today · 4.125%
HK$26,358
baseline
▲ 0.50% · 4.625%
HK$27,747
+HK$1,389/mo
Deposit HK$548K · loan HK$4.93M · min. income ≈ HK$52,716/mo (50% DSR)
Upfront cash ≈ HK$671K (deposit + AVD stamp duty HK$123,221 · 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).