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$12,501
−HK$784/mo
▼ 0.25% · 3.875%
HK$12,890
−HK$395/mo
Today · 4.125%
HK$13,285
baseline
▲ 0.50% · 4.625%
HK$14,094
+HK$809/mo
Deposit HK$2.74M · loan HK$2.74M · min. income ≈ HK$26,570/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$123,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,908
−HK$751/mo
▼ 0.25% · 3.875%
HK$14,281
−HK$378/mo
Today · 4.125%
HK$14,659
baseline
▲ 0.50% · 4.625%
HK$15,432
+HK$773/mo
Deposit HK$2.74M · loan HK$2.74M · min. income ≈ HK$29,318/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$123,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,002
−HK$940/mo
▼ 0.25% · 3.875%
HK$15,468
−HK$474/mo
Today · 4.125%
HK$15,942
baseline
▲ 0.50% · 4.625%
HK$16,912
+HK$970/mo
Deposit HK$2.19M · loan HK$3.29M · min. income ≈ HK$31,884/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,689
−HK$902/mo
▼ 0.25% · 3.875%
HK$17,137
−HK$454/mo
Today · 4.125%
HK$17,591
baseline
▲ 0.50% · 4.625%
HK$18,518
+HK$927/mo
Deposit HK$2.19M · loan HK$3.29M · min. income ≈ HK$35,182/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,502
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$18,046
−HK$553/mo
Today · 4.125%
HK$18,599
baseline
▲ 0.50% · 4.625%
HK$19,731
+HK$1,132/mo
Deposit HK$1.64M · loan HK$3.84M · min. income ≈ HK$37,198/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,471
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$19,993
−HK$530/mo
Today · 4.125%
HK$20,523
baseline
▲ 0.50% · 4.625%
HK$21,604
+HK$1,081/mo
Deposit HK$1.64M · loan HK$3.84M · min. income ≈ HK$41,046/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,503
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$23,202
−HK$712/mo
Today · 4.125%
HK$23,914
baseline
▲ 0.50% · 4.625%
HK$25,369
+HK$1,455/mo
Deposit HK$548K · loan HK$4.93M · min. income ≈ HK$47,828/mo (50% DSR)
Upfront cash ≈ HK$672K (deposit + AVD stamp duty HK$123,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,034
−HK$1,352/mo
▼ 0.25% · 3.875%
HK$25,705
−HK$681/mo
Today · 4.125%
HK$26,386
baseline
▲ 0.50% · 4.625%
HK$27,777
+HK$1,391/mo
Deposit HK$548K · loan HK$4.93M · min. income ≈ HK$52,772/mo (50% DSR)
Upfront cash ≈ HK$672K (deposit + AVD stamp duty HK$123,356 · 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).