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$12,485
−HK$783/mo
▼ 0.25% · 3.875%
HK$12,873
−HK$395/mo
Today · 4.125%
HK$13,268
baseline
▲ 0.50% · 4.625%
HK$14,075
+HK$807/mo
Deposit HK$2.74M · loan HK$2.74M · min. income ≈ HK$26,536/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$123,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,889
−HK$750/mo
▼ 0.25% · 3.875%
HK$14,262
−HK$377/mo
Today · 4.125%
HK$14,639
baseline
▲ 0.50% · 4.625%
HK$15,411
+HK$772/mo
Deposit HK$2.74M · loan HK$2.74M · min. income ≈ HK$29,278/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$123,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,982
−HK$939/mo
▼ 0.25% · 3.875%
HK$15,448
−HK$473/mo
Today · 4.125%
HK$15,921
baseline
▲ 0.50% · 4.625%
HK$16,890
+HK$969/mo
Deposit HK$2.19M · loan HK$3.29M · min. income ≈ HK$31,842/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$123,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,667
−HK$900/mo
▼ 0.25% · 3.875%
HK$17,114
−HK$453/mo
Today · 4.125%
HK$17,567
baseline
▲ 0.50% · 4.625%
HK$18,493
+HK$926/mo
Deposit HK$2.19M · loan HK$3.29M · min. income ≈ HK$35,134/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$123,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,479
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$18,022
−HK$553/mo
Today · 4.125%
HK$18,575
baseline
▲ 0.50% · 4.625%
HK$19,705
+HK$1,130/mo
Deposit HK$1.64M · loan HK$3.83M · min. income ≈ HK$37,150/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,445
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$19,966
−HK$529/mo
Today · 4.125%
HK$20,495
baseline
▲ 0.50% · 4.625%
HK$21,576
+HK$1,081/mo
Deposit HK$1.64M · loan HK$3.83M · min. income ≈ HK$40,990/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,472
−HK$1,410/mo
▼ 0.25% · 3.875%
HK$23,171
−HK$711/mo
Today · 4.125%
HK$23,882
baseline
▲ 0.50% · 4.625%
HK$25,335
+HK$1,453/mo
Deposit HK$548K · loan HK$4.93M · min. income ≈ HK$47,764/mo (50% DSR)
Upfront cash ≈ HK$671K (deposit + AVD stamp duty HK$123,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,000
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$25,671
−HK$680/mo
Today · 4.125%
HK$26,351
baseline
▲ 0.50% · 4.625%
HK$27,740
+HK$1,389/mo
Deposit HK$548K · loan HK$4.93M · min. income ≈ HK$52,702/mo (50% DSR)
Upfront cash ≈ HK$671K (deposit + AVD stamp duty HK$123,190 · 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).