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$12,516
−HK$785/mo
▼ 0.25% · 3.875%
HK$12,905
−HK$396/mo
Today · 4.125%
HK$13,301
baseline
▲ 0.50% · 4.625%
HK$14,110
+HK$809/mo
Deposit HK$2.74M · loan HK$2.74M · min. income ≈ HK$26,602/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$123,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,924
−HK$752/mo
▼ 0.25% · 3.875%
HK$14,297
−HK$379/mo
Today · 4.125%
HK$14,676
baseline
▲ 0.50% · 4.625%
HK$15,449
+HK$773/mo
Deposit HK$2.74M · loan HK$2.74M · min. income ≈ HK$29,352/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$123,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,019
−HK$942/mo
▼ 0.25% · 3.875%
HK$15,486
−HK$475/mo
Today · 4.125%
HK$15,961
baseline
▲ 0.50% · 4.625%
HK$16,932
+HK$971/mo
Deposit HK$2.20M · loan HK$3.29M · min. income ≈ HK$31,922/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,708
−HK$903/mo
▼ 0.25% · 3.875%
HK$17,156
−HK$455/mo
Today · 4.125%
HK$17,611
baseline
▲ 0.50% · 4.625%
HK$18,539
+HK$928/mo
Deposit HK$2.20M · loan HK$3.29M · min. income ≈ HK$35,222/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,522
−HK$1,099/mo
▼ 0.25% · 3.875%
HK$18,067
−HK$554/mo
Today · 4.125%
HK$18,621
baseline
▲ 0.50% · 4.625%
HK$19,754
+HK$1,133/mo
Deposit HK$1.65M · loan HK$3.84M · min. income ≈ HK$37,242/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,493
−HK$1,053/mo
▼ 0.25% · 3.875%
HK$20,016
−HK$530/mo
Today · 4.125%
HK$20,546
baseline
▲ 0.50% · 4.625%
HK$21,629
+HK$1,083/mo
Deposit HK$1.65M · loan HK$3.84M · min. income ≈ HK$41,092/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,528
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$23,229
−HK$712/mo
Today · 4.125%
HK$23,941
baseline
▲ 0.50% · 4.625%
HK$25,398
+HK$1,457/mo
Deposit HK$549K · loan HK$4.94M · min. income ≈ HK$47,882/mo (50% DSR)
Upfront cash ≈ HK$672K (deposit + AVD stamp duty HK$123,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,063
−HK$1,354/mo
▼ 0.25% · 3.875%
HK$25,735
−HK$682/mo
Today · 4.125%
HK$26,417
baseline
▲ 0.50% · 4.625%
HK$27,809
+HK$1,392/mo
Deposit HK$549K · loan HK$4.94M · min. income ≈ HK$52,834/mo (50% DSR)
Upfront cash ≈ HK$672K (deposit + AVD stamp duty HK$123,497 · 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).