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$12,442
−HK$780/mo
▼ 0.25% · 3.875%
HK$12,829
−HK$393/mo
Today · 4.125%
HK$13,222
baseline
▲ 0.50% · 4.625%
HK$14,027
+HK$805/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$26,444/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$122,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,841
−HK$748/mo
▼ 0.25% · 3.875%
HK$14,213
−HK$376/mo
Today · 4.125%
HK$14,589
baseline
▲ 0.50% · 4.625%
HK$15,358
+HK$769/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$29,178/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$122,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,930
−HK$936/mo
▼ 0.25% · 3.875%
HK$15,395
−HK$471/mo
Today · 4.125%
HK$15,866
baseline
▲ 0.50% · 4.625%
HK$16,832
+HK$966/mo
Deposit HK$2.18M · loan HK$3.27M · min. income ≈ HK$31,732/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$122,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,610
−HK$897/mo
▼ 0.25% · 3.875%
HK$17,055
−HK$452/mo
Today · 4.125%
HK$17,507
baseline
▲ 0.50% · 4.625%
HK$18,430
+HK$923/mo
Deposit HK$2.18M · loan HK$3.27M · min. income ≈ HK$35,014/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$122,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,419
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$17,960
−HK$551/mo
Today · 4.125%
HK$18,511
baseline
▲ 0.50% · 4.625%
HK$19,637
+HK$1,126/mo
Deposit HK$1.64M · loan HK$3.82M · min. income ≈ HK$37,022/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,378
−HK$1,047/mo
▼ 0.25% · 3.875%
HK$19,898
−HK$527/mo
Today · 4.125%
HK$20,425
baseline
▲ 0.50% · 4.625%
HK$21,501
+HK$1,076/mo
Deposit HK$1.64M · loan HK$3.82M · min. income ≈ HK$40,850/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,395
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$23,092
−HK$708/mo
Today · 4.125%
HK$23,800
baseline
▲ 0.50% · 4.625%
HK$25,248
+HK$1,448/mo
Deposit HK$546K · loan HK$4.91M · min. income ≈ HK$47,600/mo (50% DSR)
Upfront cash ≈ HK$668K (deposit + AVD stamp duty HK$122,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,914
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$25,583
−HK$678/mo
Today · 4.125%
HK$26,261
baseline
▲ 0.50% · 4.625%
HK$27,645
+HK$1,384/mo
Deposit HK$546K · loan HK$4.91M · min. income ≈ HK$52,522/mo (50% DSR)
Upfront cash ≈ HK$668K (deposit + AVD stamp duty HK$122,768 · 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).