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$12,439
−HK$780/mo
▼ 0.25% · 3.875%
HK$12,826
−HK$393/mo
Today · 4.125%
HK$13,219
baseline
▲ 0.50% · 4.625%
HK$14,024
+HK$805/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$26,438/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$122,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,839
−HK$747/mo
▼ 0.25% · 3.875%
HK$14,210
−HK$376/mo
Today · 4.125%
HK$14,586
baseline
▲ 0.50% · 4.625%
HK$15,355
+HK$769/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$29,172/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$122,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,927
−HK$936/mo
▼ 0.25% · 3.875%
HK$15,391
−HK$472/mo
Today · 4.125%
HK$15,863
baseline
▲ 0.50% · 4.625%
HK$16,828
+HK$965/mo
Deposit HK$2.18M · loan HK$3.27M · min. income ≈ HK$31,726/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,606
−HK$898/mo
▼ 0.25% · 3.875%
HK$17,052
−HK$452/mo
Today · 4.125%
HK$17,504
baseline
▲ 0.50% · 4.625%
HK$18,426
+HK$922/mo
Deposit HK$2.18M · loan HK$3.27M · min. income ≈ HK$35,008/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,415
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$17,957
−HK$550/mo
Today · 4.125%
HK$18,507
baseline
▲ 0.50% · 4.625%
HK$19,633
+HK$1,126/mo
Deposit HK$1.64M · loan HK$3.82M · min. income ≈ HK$37,014/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,374
−HK$1,047/mo
▼ 0.25% · 3.875%
HK$19,894
−HK$527/mo
Today · 4.125%
HK$20,421
baseline
▲ 0.50% · 4.625%
HK$21,497
+HK$1,076/mo
Deposit HK$1.64M · loan HK$3.82M · min. income ≈ HK$40,842/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,391
−HK$1,404/mo
▼ 0.25% · 3.875%
HK$23,087
−HK$708/mo
Today · 4.125%
HK$23,795
baseline
▲ 0.50% · 4.625%
HK$25,243
+HK$1,448/mo
Deposit HK$546K · loan HK$4.91M · min. income ≈ HK$47,590/mo (50% DSR)
Upfront cash ≈ HK$668K (deposit + AVD stamp duty HK$122,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,909
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$25,578
−HK$677/mo
Today · 4.125%
HK$26,255
baseline
▲ 0.50% · 4.625%
HK$27,639
+HK$1,384/mo
Deposit HK$546K · loan HK$4.91M · min. income ≈ HK$52,510/mo (50% DSR)
Upfront cash ≈ HK$668K (deposit + AVD stamp duty HK$122,743 · 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).