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$12,433
−HK$779/mo
▼ 0.25% · 3.875%
HK$12,820
−HK$392/mo
Today · 4.125%
HK$13,212
baseline
▲ 0.50% · 4.625%
HK$14,016
+HK$804/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$26,424/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$122,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,831
−HK$748/mo
▼ 0.25% · 3.875%
HK$14,202
−HK$377/mo
Today · 4.125%
HK$14,579
baseline
▲ 0.50% · 4.625%
HK$15,347
+HK$768/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$29,158/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$122,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,919
−HK$936/mo
▼ 0.25% · 3.875%
HK$15,383
−HK$472/mo
Today · 4.125%
HK$15,855
baseline
▲ 0.50% · 4.625%
HK$16,820
+HK$965/mo
Deposit HK$2.18M · loan HK$3.27M · min. income ≈ HK$31,710/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,598
−HK$896/mo
▼ 0.25% · 3.875%
HK$17,043
−HK$451/mo
Today · 4.125%
HK$17,494
baseline
▲ 0.50% · 4.625%
HK$18,417
+HK$923/mo
Deposit HK$2.18M · loan HK$3.27M · min. income ≈ HK$34,988/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,406
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$17,947
−HK$550/mo
Today · 4.125%
HK$18,497
baseline
▲ 0.50% · 4.625%
HK$19,623
+HK$1,126/mo
Deposit HK$1.64M · loan HK$3.82M · min. income ≈ HK$36,994/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,364
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$19,883
−HK$527/mo
Today · 4.125%
HK$20,410
baseline
▲ 0.50% · 4.625%
HK$21,486
+HK$1,076/mo
Deposit HK$1.64M · loan HK$3.82M · min. income ≈ HK$40,820/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,379
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$23,075
−HK$707/mo
Today · 4.125%
HK$23,782
baseline
▲ 0.50% · 4.625%
HK$25,230
+HK$1,448/mo
Deposit HK$545K · loan HK$4.91M · min. income ≈ HK$47,564/mo (50% DSR)
Upfront cash ≈ HK$668K (deposit + AVD stamp duty HK$122,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,897
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$25,564
−HK$678/mo
Today · 4.125%
HK$26,242
baseline
▲ 0.50% · 4.625%
HK$27,625
+HK$1,383/mo
Deposit HK$545K · loan HK$4.91M · min. income ≈ HK$52,484/mo (50% DSR)
Upfront cash ≈ HK$668K (deposit + AVD stamp duty HK$122,679 · 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).