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$12,850
−HK$393/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$122,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,864
−HK$749/mo
▼ 0.25% · 3.875%
HK$14,236
−HK$377/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$122,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,954
−HK$938/mo
▼ 0.25% · 3.875%
HK$15,420
−HK$472/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$122,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,637
−HK$898/mo
▼ 0.25% · 3.875%
HK$17,083
−HK$452/mo
Today · 4.125%
HK$17,535
baseline
▲ 0.50% · 4.625%
HK$18,460
+HK$925/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$122,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,447
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$17,989
−HK$552/mo
Today · 4.125%
HK$18,541
baseline
▲ 0.50% · 4.625%
HK$19,669
+HK$1,128/mo
Deposit HK$1.64M · loan HK$3.83M · min. income ≈ HK$37,082/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,409
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$19,930
−HK$528/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$122,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,432
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$23,129
−HK$709/mo
Today · 4.125%
HK$23,838
baseline
▲ 0.50% · 4.625%
HK$25,289
+HK$1,451/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$122,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,955
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$25,624
−HK$679/mo
Today · 4.125%
HK$26,303
baseline
▲ 0.50% · 4.625%
HK$27,690
+HK$1,387/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$122,967 · 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).