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$12,466
−HK$782/mo
▼ 0.25% · 3.875%
HK$12,854
−HK$394/mo
Today · 4.125%
HK$13,248
baseline
▲ 0.50% · 4.625%
HK$14,054
+HK$806/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$26,496/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$123,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,869
−HK$749/mo
▼ 0.25% · 3.875%
HK$14,241
−HK$377/mo
Today · 4.125%
HK$14,618
baseline
▲ 0.50% · 4.625%
HK$15,388
+HK$770/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$29,236/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$123,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,960
−HK$938/mo
▼ 0.25% · 3.875%
HK$15,425
−HK$473/mo
Today · 4.125%
HK$15,898
baseline
▲ 0.50% · 4.625%
HK$16,865
+HK$967/mo
Deposit HK$2.19M · loan HK$3.28M · min. income ≈ HK$31,796/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$123,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,642
−HK$900/mo
▼ 0.25% · 3.875%
HK$17,089
−HK$453/mo
Today · 4.125%
HK$17,542
baseline
▲ 0.50% · 4.625%
HK$18,466
+HK$924/mo
Deposit HK$2.19M · loan HK$3.28M · min. income ≈ HK$35,084/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$123,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,453
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$17,996
−HK$551/mo
Today · 4.125%
HK$18,547
baseline
▲ 0.50% · 4.625%
HK$19,676
+HK$1,129/mo
Deposit HK$1.64M · loan HK$3.83M · min. income ≈ HK$37,094/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$123,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,416
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$19,937
−HK$528/mo
Today · 4.125%
HK$20,465
baseline
▲ 0.50% · 4.625%
HK$21,544
+HK$1,079/mo
Deposit HK$1.64M · loan HK$3.83M · min. income ≈ HK$40,930/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$123,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,439
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$23,137
−HK$710/mo
Today · 4.125%
HK$23,847
baseline
▲ 0.50% · 4.625%
HK$25,298
+HK$1,451/mo
Deposit HK$547K · loan HK$4.92M · min. income ≈ HK$47,694/mo (50% DSR)
Upfront cash ≈ HK$670K (deposit + AVD stamp duty HK$123,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,964
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$25,633
−HK$679/mo
Today · 4.125%
HK$26,312
baseline
▲ 0.50% · 4.625%
HK$27,699
+HK$1,387/mo
Deposit HK$547K · loan HK$4.92M · min. income ≈ HK$52,624/mo (50% DSR)
Upfront cash ≈ HK$670K (deposit + AVD stamp duty HK$123,010 · 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).