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$12,508
−HK$784/mo
▼ 0.25% · 3.875%
HK$12,897
−HK$395/mo
Today · 4.125%
HK$13,292
baseline
▲ 0.50% · 4.625%
HK$14,101
+HK$809/mo
Deposit HK$2.74M · loan HK$2.74M · min. income ≈ HK$26,584/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$123,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,915
−HK$752/mo
▼ 0.25% · 3.875%
HK$14,288
−HK$379/mo
Today · 4.125%
HK$14,667
baseline
▲ 0.50% · 4.625%
HK$15,440
+HK$773/mo
Deposit HK$2.74M · loan HK$2.74M · min. income ≈ HK$29,334/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$123,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,009
−HK$942/mo
▼ 0.25% · 3.875%
HK$15,476
−HK$475/mo
Today · 4.125%
HK$15,951
baseline
▲ 0.50% · 4.625%
HK$16,921
+HK$970/mo
Deposit HK$2.19M · loan HK$3.29M · min. income ≈ HK$31,902/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,698
−HK$902/mo
▼ 0.25% · 3.875%
HK$17,146
−HK$454/mo
Today · 4.125%
HK$17,600
baseline
▲ 0.50% · 4.625%
HK$18,528
+HK$928/mo
Deposit HK$2.19M · loan HK$3.29M · min. income ≈ HK$35,200/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,511
−HK$1,098/mo
▼ 0.25% · 3.875%
HK$18,056
−HK$553/mo
Today · 4.125%
HK$18,609
baseline
▲ 0.50% · 4.625%
HK$19,741
+HK$1,132/mo
Deposit HK$1.65M · loan HK$3.84M · min. income ≈ HK$37,218/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,481
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$20,003
−HK$530/mo
Today · 4.125%
HK$20,533
baseline
▲ 0.50% · 4.625%
HK$21,616
+HK$1,083/mo
Deposit HK$1.65M · loan HK$3.84M · min. income ≈ HK$41,066/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,514
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$23,215
−HK$711/mo
Today · 4.125%
HK$23,926
baseline
▲ 0.50% · 4.625%
HK$25,382
+HK$1,456/mo
Deposit HK$549K · loan HK$4.94M · min. income ≈ HK$47,852/mo (50% DSR)
Upfront cash ≈ HK$672K (deposit + AVD stamp duty HK$123,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,047
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$25,719
−HK$681/mo
Today · 4.125%
HK$26,400
baseline
▲ 0.50% · 4.625%
HK$27,792
+HK$1,392/mo
Deposit HK$549K · loan HK$4.94M · min. income ≈ HK$52,800/mo (50% DSR)
Upfront cash ≈ HK$672K (deposit + AVD stamp duty HK$123,420 · 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).