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$12,456
−HK$781/mo
▼ 0.25% · 3.875%
HK$12,843
−HK$394/mo
Today · 4.125%
HK$13,237
baseline
▲ 0.50% · 4.625%
HK$14,042
+HK$805/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$26,474/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$122,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,857
−HK$749/mo
▼ 0.25% · 3.875%
HK$14,229
−HK$377/mo
Today · 4.125%
HK$14,606
baseline
▲ 0.50% · 4.625%
HK$15,376
+HK$770/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$29,212/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$122,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,947
−HK$937/mo
▼ 0.25% · 3.875%
HK$15,412
−HK$472/mo
Today · 4.125%
HK$15,884
baseline
▲ 0.50% · 4.625%
HK$16,851
+HK$967/mo
Deposit HK$2.19M · loan HK$3.28M · min. income ≈ HK$31,768/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$122,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,628
−HK$899/mo
▼ 0.25% · 3.875%
HK$17,074
−HK$453/mo
Today · 4.125%
HK$17,527
baseline
▲ 0.50% · 4.625%
HK$18,451
+HK$924/mo
Deposit HK$2.19M · loan HK$3.28M · min. income ≈ HK$35,054/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$122,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,438
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$17,981
−HK$551/mo
Today · 4.125%
HK$18,532
baseline
▲ 0.50% · 4.625%
HK$19,659
+HK$1,127/mo
Deposit HK$1.64M · loan HK$3.82M · min. income ≈ HK$37,064/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,400
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$19,920
−HK$528/mo
Today · 4.125%
HK$20,448
baseline
▲ 0.50% · 4.625%
HK$21,526
+HK$1,078/mo
Deposit HK$1.64M · loan HK$3.82M · min. income ≈ HK$40,896/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,421
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$23,118
−HK$709/mo
Today · 4.125%
HK$23,827
baseline
▲ 0.50% · 4.625%
HK$25,276
+HK$1,449/mo
Deposit HK$546K · loan HK$4.92M · min. income ≈ HK$47,654/mo (50% DSR)
Upfront cash ≈ HK$669K (deposit + AVD stamp duty HK$122,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,943
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$25,612
−HK$678/mo
Today · 4.125%
HK$26,290
baseline
▲ 0.50% · 4.625%
HK$27,676
+HK$1,386/mo
Deposit HK$546K · loan HK$4.92M · min. income ≈ HK$52,580/mo (50% DSR)
Upfront cash ≈ HK$669K (deposit + AVD stamp duty HK$122,907 · 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).