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$12,492
−HK$783/mo
▼ 0.25% · 3.875%
HK$12,880
−HK$395/mo
Today · 4.125%
HK$13,275
baseline
▲ 0.50% · 4.625%
HK$14,083
+HK$808/mo
Deposit HK$2.74M · loan HK$2.74M · min. income ≈ HK$26,550/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$123,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,897
−HK$751/mo
▼ 0.25% · 3.875%
HK$14,270
−HK$378/mo
Today · 4.125%
HK$14,648
baseline
▲ 0.50% · 4.625%
HK$15,420
+HK$772/mo
Deposit HK$2.74M · loan HK$2.74M · min. income ≈ HK$29,296/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$123,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,990
−HK$940/mo
▼ 0.25% · 3.875%
HK$15,457
−HK$473/mo
Today · 4.125%
HK$15,930
baseline
▲ 0.50% · 4.625%
HK$16,900
+HK$970/mo
Deposit HK$2.19M · loan HK$3.29M · min. income ≈ HK$31,860/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$123,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,677
−HK$901/mo
▼ 0.25% · 3.875%
HK$17,124
−HK$454/mo
Today · 4.125%
HK$17,578
baseline
▲ 0.50% · 4.625%
HK$18,504
+HK$926/mo
Deposit HK$2.19M · loan HK$3.29M · min. income ≈ HK$35,156/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$123,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,489
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$18,033
−HK$552/mo
Today · 4.125%
HK$18,585
baseline
▲ 0.50% · 4.625%
HK$19,716
+HK$1,131/mo
Deposit HK$1.64M · loan HK$3.83M · min. income ≈ HK$37,170/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,456
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$19,978
−HK$529/mo
Today · 4.125%
HK$20,507
baseline
▲ 0.50% · 4.625%
HK$21,588
+HK$1,081/mo
Deposit HK$1.64M · loan HK$3.83M · min. income ≈ HK$41,014/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,485
−HK$1,410/mo
▼ 0.25% · 3.875%
HK$23,185
−HK$710/mo
Today · 4.125%
HK$23,895
baseline
▲ 0.50% · 4.625%
HK$25,349
+HK$1,454/mo
Deposit HK$548K · loan HK$4.93M · min. income ≈ HK$47,790/mo (50% DSR)
Upfront cash ≈ HK$671K (deposit + AVD stamp duty HK$123,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,015
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$25,686
−HK$680/mo
Today · 4.125%
HK$26,366
baseline
▲ 0.50% · 4.625%
HK$27,756
+HK$1,390/mo
Deposit HK$548K · loan HK$4.93M · min. income ≈ HK$52,732/mo (50% DSR)
Upfront cash ≈ HK$671K (deposit + AVD stamp duty HK$123,262 · 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).