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$12,468
−HK$781/mo
▼ 0.25% · 3.875%
HK$12,855
−HK$394/mo
Today · 4.125%
HK$13,249
baseline
▲ 0.50% · 4.625%
HK$14,056
+HK$807/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$26,498/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$123,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,870
−HK$749/mo
▼ 0.25% · 3.875%
HK$14,242
−HK$377/mo
Today · 4.125%
HK$14,619
baseline
▲ 0.50% · 4.625%
HK$15,390
+HK$771/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$29,238/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$123,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,961
−HK$938/mo
▼ 0.25% · 3.875%
HK$15,426
−HK$473/mo
Today · 4.125%
HK$15,899
baseline
▲ 0.50% · 4.625%
HK$16,867
+HK$968/mo
Deposit HK$2.19M · loan HK$3.28M · min. income ≈ HK$31,798/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$123,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,644
−HK$899/mo
▼ 0.25% · 3.875%
HK$17,090
−HK$453/mo
Today · 4.125%
HK$17,543
baseline
▲ 0.50% · 4.625%
HK$18,468
+HK$925/mo
Deposit HK$2.19M · loan HK$3.28M · min. income ≈ HK$35,086/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$123,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,455
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$17,998
−HK$551/mo
Today · 4.125%
HK$18,549
baseline
▲ 0.50% · 4.625%
HK$19,678
+HK$1,129/mo
Deposit HK$1.64M · loan HK$3.83M · min. income ≈ HK$37,098/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$123,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,418
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$19,939
−HK$528/mo
Today · 4.125%
HK$20,467
baseline
▲ 0.50% · 4.625%
HK$21,546
+HK$1,079/mo
Deposit HK$1.64M · loan HK$3.83M · min. income ≈ HK$40,934/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$123,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,442
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$23,140
−HK$709/mo
Today · 4.125%
HK$23,849
baseline
▲ 0.50% · 4.625%
HK$25,300
+HK$1,451/mo
Deposit HK$547K · loan HK$4.92M · min. income ≈ HK$47,698/mo (50% DSR)
Upfront cash ≈ HK$670K (deposit + AVD stamp duty HK$123,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,966
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$25,636
−HK$679/mo
Today · 4.125%
HK$26,315
baseline
▲ 0.50% · 4.625%
HK$27,702
+HK$1,387/mo
Deposit HK$547K · loan HK$4.92M · min. income ≈ HK$52,630/mo (50% DSR)
Upfront cash ≈ HK$670K (deposit + AVD stamp duty HK$123,022 · 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).