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$12,462
−HK$781/mo
▼ 0.25% · 3.875%
HK$12,849
−HK$394/mo
Today · 4.125%
HK$13,243
baseline
▲ 0.50% · 4.625%
HK$14,049
+HK$806/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$26,486/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$122,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,864
−HK$749/mo
▼ 0.25% · 3.875%
HK$14,235
−HK$378/mo
Today · 4.125%
HK$14,613
baseline
▲ 0.50% · 4.625%
HK$15,383
+HK$770/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$29,226/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$122,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,954
−HK$938/mo
▼ 0.25% · 3.875%
HK$15,419
−HK$473/mo
Today · 4.125%
HK$15,892
baseline
▲ 0.50% · 4.625%
HK$16,859
+HK$967/mo
Deposit HK$2.19M · loan HK$3.28M · min. income ≈ HK$31,784/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$122,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,636
−HK$899/mo
▼ 0.25% · 3.875%
HK$17,082
−HK$453/mo
Today · 4.125%
HK$17,535
baseline
▲ 0.50% · 4.625%
HK$18,459
+HK$924/mo
Deposit HK$2.19M · loan HK$3.28M · min. income ≈ HK$35,070/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$122,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,446
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$17,989
−HK$551/mo
Today · 4.125%
HK$18,540
baseline
▲ 0.50% · 4.625%
HK$19,669
+HK$1,129/mo
Deposit HK$1.64M · loan HK$3.83M · min. income ≈ HK$37,080/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,409
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$19,929
−HK$529/mo
Today · 4.125%
HK$20,458
baseline
▲ 0.50% · 4.625%
HK$21,536
+HK$1,078/mo
Deposit HK$1.64M · loan HK$3.83M · min. income ≈ HK$40,916/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,431
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$23,129
−HK$709/mo
Today · 4.125%
HK$23,838
baseline
▲ 0.50% · 4.625%
HK$25,288
+HK$1,450/mo
Deposit HK$547K · loan HK$4.92M · min. income ≈ HK$47,676/mo (50% DSR)
Upfront cash ≈ HK$669K (deposit + AVD stamp duty HK$122,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,954
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$25,624
−HK$679/mo
Today · 4.125%
HK$26,303
baseline
▲ 0.50% · 4.625%
HK$27,689
+HK$1,386/mo
Deposit HK$547K · loan HK$4.92M · min. income ≈ HK$52,606/mo (50% DSR)
Upfront cash ≈ HK$669K (deposit + AVD stamp duty HK$122,964 · 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).