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$12,438
−HK$780/mo
▼ 0.25% · 3.875%
HK$12,825
−HK$393/mo
Today · 4.125%
HK$13,218
baseline
▲ 0.50% · 4.625%
HK$14,022
+HK$804/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$26,436/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$122,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,837
−HK$748/mo
▼ 0.25% · 3.875%
HK$14,208
−HK$377/mo
Today · 4.125%
HK$14,585
baseline
▲ 0.50% · 4.625%
HK$15,354
+HK$769/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$29,170/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$122,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,926
−HK$936/mo
▼ 0.25% · 3.875%
HK$15,390
−HK$472/mo
Today · 4.125%
HK$15,862
baseline
▲ 0.50% · 4.625%
HK$16,827
+HK$965/mo
Deposit HK$2.18M · loan HK$3.27M · min. income ≈ HK$31,724/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,605
−HK$897/mo
▼ 0.25% · 3.875%
HK$17,050
−HK$452/mo
Today · 4.125%
HK$17,502
baseline
▲ 0.50% · 4.625%
HK$18,424
+HK$922/mo
Deposit HK$2.18M · loan HK$3.27M · min. income ≈ HK$35,004/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,413
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$17,955
−HK$550/mo
Today · 4.125%
HK$18,505
baseline
▲ 0.50% · 4.625%
HK$19,631
+HK$1,126/mo
Deposit HK$1.64M · loan HK$3.82M · min. income ≈ HK$37,010/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,372
−HK$1,047/mo
▼ 0.25% · 3.875%
HK$19,892
−HK$527/mo
Today · 4.125%
HK$20,419
baseline
▲ 0.50% · 4.625%
HK$21,495
+HK$1,076/mo
Deposit HK$1.64M · loan HK$3.82M · min. income ≈ HK$40,838/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,389
−HK$1,404/mo
▼ 0.25% · 3.875%
HK$23,085
−HK$708/mo
Today · 4.125%
HK$23,793
baseline
▲ 0.50% · 4.625%
HK$25,240
+HK$1,447/mo
Deposit HK$545K · loan HK$4.91M · min. income ≈ HK$47,586/mo (50% DSR)
Upfront cash ≈ HK$668K (deposit + AVD stamp duty HK$122,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,907
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$25,575
−HK$678/mo
Today · 4.125%
HK$26,253
baseline
▲ 0.50% · 4.625%
HK$27,637
+HK$1,384/mo
Deposit HK$545K · loan HK$4.91M · min. income ≈ HK$52,506/mo (50% DSR)
Upfront cash ≈ HK$668K (deposit + AVD stamp duty HK$122,731 · 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).