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$12,481
−HK$783/mo
▼ 0.25% · 3.875%
HK$12,870
−HK$394/mo
Today · 4.125%
HK$13,264
baseline
▲ 0.50% · 4.625%
HK$14,071
+HK$807/mo
Deposit HK$2.74M · loan HK$2.74M · min. income ≈ HK$26,528/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$123,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,885
−HK$751/mo
▼ 0.25% · 3.875%
HK$14,258
−HK$378/mo
Today · 4.125%
HK$14,636
baseline
▲ 0.50% · 4.625%
HK$15,407
+HK$771/mo
Deposit HK$2.74M · loan HK$2.74M · min. income ≈ HK$29,272/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$123,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,978
−HK$939/mo
▼ 0.25% · 3.875%
HK$15,443
−HK$474/mo
Today · 4.125%
HK$15,917
baseline
▲ 0.50% · 4.625%
HK$16,885
+HK$968/mo
Deposit HK$2.19M · loan HK$3.28M · min. income ≈ HK$31,834/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$123,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,662
−HK$901/mo
▼ 0.25% · 3.875%
HK$17,109
−HK$454/mo
Today · 4.125%
HK$17,563
baseline
▲ 0.50% · 4.625%
HK$18,488
+HK$925/mo
Deposit HK$2.19M · loan HK$3.28M · min. income ≈ HK$35,126/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$123,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,474
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$18,017
−HK$553/mo
Today · 4.125%
HK$18,570
baseline
▲ 0.50% · 4.625%
HK$19,700
+HK$1,130/mo
Deposit HK$1.64M · loan HK$3.83M · min. income ≈ HK$37,140/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,439
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$19,961
−HK$529/mo
Today · 4.125%
HK$20,490
baseline
▲ 0.50% · 4.625%
HK$21,570
+HK$1,080/mo
Deposit HK$1.64M · loan HK$3.83M · min. income ≈ HK$40,980/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,466
−HK$1,409/mo
▼ 0.25% · 3.875%
HK$23,165
−HK$710/mo
Today · 4.125%
HK$23,875
baseline
▲ 0.50% · 4.625%
HK$25,328
+HK$1,453/mo
Deposit HK$547K · loan HK$4.93M · min. income ≈ HK$47,750/mo (50% DSR)
Upfront cash ≈ HK$671K (deposit + AVD stamp duty HK$123,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,994
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$25,664
−HK$680/mo
Today · 4.125%
HK$26,344
baseline
▲ 0.50% · 4.625%
HK$27,733
+HK$1,389/mo
Deposit HK$547K · loan HK$4.93M · min. income ≈ HK$52,688/mo (50% DSR)
Upfront cash ≈ HK$671K (deposit + AVD stamp duty HK$123,157 · 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).