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$12,503
−HK$784/mo
▼ 0.25% · 3.875%
HK$12,892
−HK$395/mo
Today · 4.125%
HK$13,287
baseline
▲ 0.50% · 4.625%
HK$14,095
+HK$808/mo
Deposit HK$2.74M · loan HK$2.74M · min. income ≈ HK$26,574/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$123,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,909
−HK$752/mo
▼ 0.25% · 3.875%
HK$14,282
−HK$379/mo
Today · 4.125%
HK$14,661
baseline
▲ 0.50% · 4.625%
HK$15,433
+HK$772/mo
Deposit HK$2.74M · loan HK$2.74M · min. income ≈ HK$29,322/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$123,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,003
−HK$941/mo
▼ 0.25% · 3.875%
HK$15,470
−HK$474/mo
Today · 4.125%
HK$15,944
baseline
▲ 0.50% · 4.625%
HK$16,914
+HK$970/mo
Deposit HK$2.19M · loan HK$3.29M · min. income ≈ HK$31,888/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,691
−HK$902/mo
▼ 0.25% · 3.875%
HK$17,139
−HK$454/mo
Today · 4.125%
HK$17,593
baseline
▲ 0.50% · 4.625%
HK$18,520
+HK$927/mo
Deposit HK$2.19M · loan HK$3.29M · min. income ≈ HK$35,186/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,504
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$18,048
−HK$553/mo
Today · 4.125%
HK$18,601
baseline
▲ 0.50% · 4.625%
HK$19,733
+HK$1,132/mo
Deposit HK$1.64M · loan HK$3.84M · min. income ≈ HK$37,202/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,473
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$19,995
−HK$530/mo
Today · 4.125%
HK$20,525
baseline
▲ 0.50% · 4.625%
HK$21,607
+HK$1,082/mo
Deposit HK$1.64M · loan HK$3.84M · min. income ≈ HK$41,050/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,505
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$23,205
−HK$711/mo
Today · 4.125%
HK$23,916
baseline
▲ 0.50% · 4.625%
HK$25,371
+HK$1,455/mo
Deposit HK$548K · loan HK$4.93M · min. income ≈ HK$47,832/mo (50% DSR)
Upfront cash ≈ HK$672K (deposit + AVD stamp duty HK$123,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,036
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$25,708
−HK$681/mo
Today · 4.125%
HK$26,389
baseline
▲ 0.50% · 4.625%
HK$27,780
+HK$1,391/mo
Deposit HK$548K · loan HK$4.93M · min. income ≈ HK$52,778/mo (50% DSR)
Upfront cash ≈ HK$672K (deposit + AVD stamp duty HK$123,368 · 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).