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$12,502
−HK$784/mo
▼ 0.25% · 3.875%
HK$12,891
−HK$395/mo
Today · 4.125%
HK$13,286
baseline
▲ 0.50% · 4.625%
HK$14,094
+HK$808/mo
Deposit HK$2.74M · loan HK$2.74M · min. income ≈ HK$26,572/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$123,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,908
−HK$752/mo
▼ 0.25% · 3.875%
HK$14,281
−HK$379/mo
Today · 4.125%
HK$14,660
baseline
▲ 0.50% · 4.625%
HK$15,433
+HK$773/mo
Deposit HK$2.74M · loan HK$2.74M · min. income ≈ HK$29,320/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$123,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,002
−HK$941/mo
▼ 0.25% · 3.875%
HK$15,469
−HK$474/mo
Today · 4.125%
HK$15,943
baseline
▲ 0.50% · 4.625%
HK$16,913
+HK$970/mo
Deposit HK$2.19M · loan HK$3.29M · min. income ≈ HK$31,886/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,690
−HK$902/mo
▼ 0.25% · 3.875%
HK$17,138
−HK$454/mo
Today · 4.125%
HK$17,592
baseline
▲ 0.50% · 4.625%
HK$18,519
+HK$927/mo
Deposit HK$2.19M · loan HK$3.29M · min. income ≈ HK$35,184/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,503
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$18,047
−HK$553/mo
Today · 4.125%
HK$18,600
baseline
▲ 0.50% · 4.625%
HK$19,732
+HK$1,132/mo
Deposit HK$1.64M · loan HK$3.84M · min. income ≈ HK$37,200/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,472
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$19,994
−HK$530/mo
Today · 4.125%
HK$20,524
baseline
▲ 0.50% · 4.625%
HK$21,606
+HK$1,082/mo
Deposit HK$1.64M · loan HK$3.84M · min. income ≈ HK$41,048/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,504
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$23,204
−HK$711/mo
Today · 4.125%
HK$23,915
baseline
▲ 0.50% · 4.625%
HK$25,370
+HK$1,455/mo
Deposit HK$548K · loan HK$4.93M · min. income ≈ HK$47,830/mo (50% DSR)
Upfront cash ≈ HK$672K (deposit + AVD stamp duty HK$123,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,035
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$25,707
−HK$681/mo
Today · 4.125%
HK$26,388
baseline
▲ 0.50% · 4.625%
HK$27,779
+HK$1,391/mo
Deposit HK$548K · loan HK$4.93M · min. income ≈ HK$52,776/mo (50% DSR)
Upfront cash ≈ HK$672K (deposit + AVD stamp duty HK$123,362 · 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).