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$12,475
−HK$782/mo
▼ 0.25% · 3.875%
HK$12,863
−HK$394/mo
Today · 4.125%
HK$13,257
baseline
▲ 0.50% · 4.625%
HK$14,064
+HK$807/mo
Deposit HK$2.74M · loan HK$2.74M · min. income ≈ HK$26,514/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$123,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,878
−HK$750/mo
▼ 0.25% · 3.875%
HK$14,250
−HK$378/mo
Today · 4.125%
HK$14,628
baseline
▲ 0.50% · 4.625%
HK$15,399
+HK$771/mo
Deposit HK$2.74M · loan HK$2.74M · min. income ≈ HK$29,256/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$123,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,970
−HK$938/mo
▼ 0.25% · 3.875%
HK$15,435
−HK$473/mo
Today · 4.125%
HK$15,908
baseline
▲ 0.50% · 4.625%
HK$16,876
+HK$968/mo
Deposit HK$2.19M · loan HK$3.28M · min. income ≈ HK$31,816/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$123,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,653
−HK$900/mo
▼ 0.25% · 3.875%
HK$17,100
−HK$453/mo
Today · 4.125%
HK$17,553
baseline
▲ 0.50% · 4.625%
HK$18,478
+HK$925/mo
Deposit HK$2.19M · loan HK$3.28M · min. income ≈ HK$35,106/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$123,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,464
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$18,008
−HK$552/mo
Today · 4.125%
HK$18,560
baseline
▲ 0.50% · 4.625%
HK$19,689
+HK$1,129/mo
Deposit HK$1.64M · loan HK$3.83M · min. income ≈ HK$37,120/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$123,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,429
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$19,950
−HK$529/mo
Today · 4.125%
HK$20,479
baseline
▲ 0.50% · 4.625%
HK$21,558
+HK$1,079/mo
Deposit HK$1.64M · loan HK$3.83M · min. income ≈ HK$40,958/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$123,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,454
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$23,153
−HK$709/mo
Today · 4.125%
HK$23,862
baseline
▲ 0.50% · 4.625%
HK$25,314
+HK$1,452/mo
Deposit HK$547K · loan HK$4.92M · min. income ≈ HK$47,724/mo (50% DSR)
Upfront cash ≈ HK$670K (deposit + AVD stamp duty HK$123,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,980
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$25,650
−HK$680/mo
Today · 4.125%
HK$26,330
baseline
▲ 0.50% · 4.625%
HK$27,718
+HK$1,388/mo
Deposit HK$547K · loan HK$4.92M · min. income ≈ HK$52,660/mo (50% DSR)
Upfront cash ≈ HK$670K (deposit + AVD stamp duty HK$123,091 · 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).