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$12,448
−HK$780/mo
▼ 0.25% · 3.875%
HK$12,835
−HK$393/mo
Today · 4.125%
HK$13,228
baseline
▲ 0.50% · 4.625%
HK$14,033
+HK$805/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$26,456/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$122,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,848
−HK$748/mo
▼ 0.25% · 3.875%
HK$14,220
−HK$376/mo
Today · 4.125%
HK$14,596
baseline
▲ 0.50% · 4.625%
HK$15,366
+HK$770/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$29,192/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$122,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,937
−HK$937/mo
▼ 0.25% · 3.875%
HK$15,402
−HK$472/mo
Today · 4.125%
HK$15,874
baseline
▲ 0.50% · 4.625%
HK$16,840
+HK$966/mo
Deposit HK$2.18M · loan HK$3.28M · min. income ≈ HK$31,748/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$122,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,618
−HK$898/mo
▼ 0.25% · 3.875%
HK$17,063
−HK$453/mo
Today · 4.125%
HK$17,516
baseline
▲ 0.50% · 4.625%
HK$18,439
+HK$923/mo
Deposit HK$2.18M · loan HK$3.28M · min. income ≈ HK$35,032/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$122,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,427
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$17,969
−HK$551/mo
Today · 4.125%
HK$18,520
baseline
▲ 0.50% · 4.625%
HK$19,647
+HK$1,127/mo
Deposit HK$1.64M · loan HK$3.82M · min. income ≈ HK$37,040/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,387
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$19,907
−HK$528/mo
Today · 4.125%
HK$20,435
baseline
▲ 0.50% · 4.625%
HK$21,512
+HK$1,077/mo
Deposit HK$1.64M · loan HK$3.82M · min. income ≈ HK$40,870/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,406
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$23,103
−HK$708/mo
Today · 4.125%
HK$23,811
baseline
▲ 0.50% · 4.625%
HK$25,260
+HK$1,449/mo
Deposit HK$546K · loan HK$4.91M · min. income ≈ HK$47,622/mo (50% DSR)
Upfront cash ≈ HK$669K (deposit + AVD stamp duty HK$122,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,927
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$25,595
−HK$678/mo
Today · 4.125%
HK$26,273
baseline
▲ 0.50% · 4.625%
HK$27,658
+HK$1,385/mo
Deposit HK$546K · loan HK$4.91M · min. income ≈ HK$52,546/mo (50% DSR)
Upfront cash ≈ HK$669K (deposit + AVD stamp duty HK$122,827 · 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).