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$12,495
−HK$783/mo
▼ 0.25% · 3.875%
HK$12,883
−HK$395/mo
Today · 4.125%
HK$13,278
baseline
▲ 0.50% · 4.625%
HK$14,086
+HK$808/mo
Deposit HK$2.74M · loan HK$2.74M · min. income ≈ HK$26,556/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$123,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,900
−HK$751/mo
▼ 0.25% · 3.875%
HK$14,273
−HK$378/mo
Today · 4.125%
HK$14,651
baseline
▲ 0.50% · 4.625%
HK$15,424
+HK$773/mo
Deposit HK$2.74M · loan HK$2.74M · min. income ≈ HK$29,302/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$123,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,994
−HK$940/mo
▼ 0.25% · 3.875%
HK$15,460
−HK$474/mo
Today · 4.125%
HK$15,934
baseline
▲ 0.50% · 4.625%
HK$16,904
+HK$970/mo
Deposit HK$2.19M · loan HK$3.29M · min. income ≈ HK$31,868/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,680
−HK$902/mo
▼ 0.25% · 3.875%
HK$17,128
−HK$454/mo
Today · 4.125%
HK$17,582
baseline
▲ 0.50% · 4.625%
HK$18,508
+HK$926/mo
Deposit HK$2.19M · loan HK$3.29M · min. income ≈ HK$35,164/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,493
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$18,037
−HK$553/mo
Today · 4.125%
HK$18,590
baseline
▲ 0.50% · 4.625%
HK$19,721
+HK$1,131/mo
Deposit HK$1.64M · loan HK$3.84M · min. income ≈ HK$37,180/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,461
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$19,982
−HK$530/mo
Today · 4.125%
HK$20,512
baseline
▲ 0.50% · 4.625%
HK$21,593
+HK$1,081/mo
Deposit HK$1.64M · loan HK$3.84M · min. income ≈ HK$41,024/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,491
−HK$1,410/mo
▼ 0.25% · 3.875%
HK$23,190
−HK$711/mo
Today · 4.125%
HK$23,901
baseline
▲ 0.50% · 4.625%
HK$25,355
+HK$1,454/mo
Deposit HK$548K · loan HK$4.93M · min. income ≈ HK$47,802/mo (50% DSR)
Upfront cash ≈ HK$671K (deposit + AVD stamp duty HK$123,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,021
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$25,692
−HK$680/mo
Today · 4.125%
HK$26,372
baseline
▲ 0.50% · 4.625%
HK$27,763
+HK$1,391/mo
Deposit HK$548K · loan HK$4.93M · min. income ≈ HK$52,744/mo (50% DSR)
Upfront cash ≈ HK$671K (deposit + AVD stamp duty HK$123,291 · 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).