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$12,492
−HK$783/mo
▼ 0.25% · 3.875%
HK$12,880
−HK$395/mo
Today · 4.125%
HK$13,275
baseline
▲ 0.50% · 4.625%
HK$14,083
+HK$808/mo
Deposit HK$2.74M · loan HK$2.74M · min. income ≈ HK$26,550/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$123,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,897
−HK$750/mo
▼ 0.25% · 3.875%
HK$14,269
−HK$378/mo
Today · 4.125%
HK$14,647
baseline
▲ 0.50% · 4.625%
HK$15,420
+HK$773/mo
Deposit HK$2.74M · loan HK$2.74M · min. income ≈ HK$29,294/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$123,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,990
−HK$940/mo
▼ 0.25% · 3.875%
HK$15,456
−HK$474/mo
Today · 4.125%
HK$15,930
baseline
▲ 0.50% · 4.625%
HK$16,899
+HK$969/mo
Deposit HK$2.19M · loan HK$3.29M · min. income ≈ HK$31,860/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$123,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,676
−HK$901/mo
▼ 0.25% · 3.875%
HK$17,123
−HK$454/mo
Today · 4.125%
HK$17,577
baseline
▲ 0.50% · 4.625%
HK$18,504
+HK$927/mo
Deposit HK$2.19M · loan HK$3.29M · min. income ≈ HK$35,154/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$123,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,488
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$18,032
−HK$553/mo
Today · 4.125%
HK$18,585
baseline
▲ 0.50% · 4.625%
HK$19,716
+HK$1,131/mo
Deposit HK$1.64M · loan HK$3.83M · min. income ≈ HK$37,170/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,455
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$19,977
−HK$529/mo
Today · 4.125%
HK$20,506
baseline
▲ 0.50% · 4.625%
HK$21,587
+HK$1,081/mo
Deposit HK$1.64M · loan HK$3.83M · min. income ≈ HK$41,012/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,485
−HK$1,410/mo
▼ 0.25% · 3.875%
HK$23,184
−HK$711/mo
Today · 4.125%
HK$23,895
baseline
▲ 0.50% · 4.625%
HK$25,349
+HK$1,454/mo
Deposit HK$548K · loan HK$4.93M · min. income ≈ HK$47,790/mo (50% DSR)
Upfront cash ≈ HK$671K (deposit + AVD stamp duty HK$123,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,014
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$25,685
−HK$680/mo
Today · 4.125%
HK$26,365
baseline
▲ 0.50% · 4.625%
HK$27,755
+HK$1,390/mo
Deposit HK$548K · loan HK$4.93M · min. income ≈ HK$52,730/mo (50% DSR)
Upfront cash ≈ HK$671K (deposit + AVD stamp duty HK$123,258 · 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).