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$12,510
−HK$784/mo
▼ 0.25% · 3.875%
HK$12,899
−HK$395/mo
Today · 4.125%
HK$13,294
baseline
▲ 0.50% · 4.625%
HK$14,103
+HK$809/mo
Deposit HK$2.74M · loan HK$2.74M · min. income ≈ HK$26,588/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$123,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,917
−HK$752/mo
▼ 0.25% · 3.875%
HK$14,290
−HK$379/mo
Today · 4.125%
HK$14,669
baseline
▲ 0.50% · 4.625%
HK$15,442
+HK$773/mo
Deposit HK$2.74M · loan HK$2.74M · min. income ≈ HK$29,338/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$123,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,012
−HK$941/mo
▼ 0.25% · 3.875%
HK$15,479
−HK$474/mo
Today · 4.125%
HK$15,953
baseline
▲ 0.50% · 4.625%
HK$16,924
+HK$971/mo
Deposit HK$2.19M · loan HK$3.29M · min. income ≈ HK$31,906/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,701
−HK$902/mo
▼ 0.25% · 3.875%
HK$17,149
−HK$454/mo
Today · 4.125%
HK$17,603
baseline
▲ 0.50% · 4.625%
HK$18,531
+HK$928/mo
Deposit HK$2.19M · loan HK$3.29M · min. income ≈ HK$35,206/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,514
−HK$1,098/mo
▼ 0.25% · 3.875%
HK$18,059
−HK$553/mo
Today · 4.125%
HK$18,612
baseline
▲ 0.50% · 4.625%
HK$19,745
+HK$1,133/mo
Deposit HK$1.65M · loan HK$3.84M · min. income ≈ HK$37,224/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,484
−HK$1,053/mo
▼ 0.25% · 3.875%
HK$20,007
−HK$530/mo
Today · 4.125%
HK$20,537
baseline
▲ 0.50% · 4.625%
HK$21,619
+HK$1,082/mo
Deposit HK$1.65M · loan HK$3.84M · min. income ≈ HK$41,074/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,518
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$23,218
−HK$712/mo
Today · 4.125%
HK$23,930
baseline
▲ 0.50% · 4.625%
HK$25,386
+HK$1,456/mo
Deposit HK$549K · loan HK$4.94M · min. income ≈ HK$47,860/mo (50% DSR)
Upfront cash ≈ HK$672K (deposit + AVD stamp duty HK$123,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,051
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$25,723
−HK$681/mo
Today · 4.125%
HK$26,404
baseline
▲ 0.50% · 4.625%
HK$27,796
+HK$1,392/mo
Deposit HK$549K · loan HK$4.94M · min. income ≈ HK$52,808/mo (50% DSR)
Upfront cash ≈ HK$672K (deposit + AVD stamp duty HK$123,440 · 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).