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$12,445
−HK$781/mo
▼ 0.25% · 3.875%
HK$12,832
−HK$394/mo
Today · 4.125%
HK$13,226
baseline
▲ 0.50% · 4.625%
HK$14,030
+HK$804/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$26,452/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$122,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,845
−HK$748/mo
▼ 0.25% · 3.875%
HK$14,216
−HK$377/mo
Today · 4.125%
HK$14,593
baseline
▲ 0.50% · 4.625%
HK$15,362
+HK$769/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$29,186/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$122,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,934
−HK$937/mo
▼ 0.25% · 3.875%
HK$15,399
−HK$472/mo
Today · 4.125%
HK$15,871
baseline
▲ 0.50% · 4.625%
HK$16,836
+HK$965/mo
Deposit HK$2.18M · loan HK$3.27M · min. income ≈ HK$31,742/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$122,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,614
−HK$898/mo
▼ 0.25% · 3.875%
HK$17,060
−HK$452/mo
Today · 4.125%
HK$17,512
baseline
▲ 0.50% · 4.625%
HK$18,435
+HK$923/mo
Deposit HK$2.18M · loan HK$3.27M · min. income ≈ HK$35,024/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$122,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,423
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$17,965
−HK$551/mo
Today · 4.125%
HK$18,516
baseline
▲ 0.50% · 4.625%
HK$19,642
+HK$1,126/mo
Deposit HK$1.64M · loan HK$3.82M · min. income ≈ HK$37,032/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,383
−HK$1,047/mo
▼ 0.25% · 3.875%
HK$19,903
−HK$527/mo
Today · 4.125%
HK$20,430
baseline
▲ 0.50% · 4.625%
HK$21,507
+HK$1,077/mo
Deposit HK$1.64M · loan HK$3.82M · min. income ≈ HK$40,860/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,401
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$23,098
−HK$708/mo
Today · 4.125%
HK$23,806
baseline
▲ 0.50% · 4.625%
HK$25,255
+HK$1,449/mo
Deposit HK$546K · loan HK$4.91M · min. income ≈ HK$47,612/mo (50% DSR)
Upfront cash ≈ HK$669K (deposit + AVD stamp duty HK$122,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,921
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$25,590
−HK$678/mo
Today · 4.125%
HK$26,268
baseline
▲ 0.50% · 4.625%
HK$27,652
+HK$1,384/mo
Deposit HK$546K · loan HK$4.91M · min. income ≈ HK$52,536/mo (50% DSR)
Upfront cash ≈ HK$669K (deposit + AVD stamp duty HK$122,801 · 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).