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$12,497
−HK$784/mo
▼ 0.25% · 3.875%
HK$12,886
−HK$395/mo
Today · 4.125%
HK$13,281
baseline
▲ 0.50% · 4.625%
HK$14,089
+HK$808/mo
Deposit HK$2.74M · loan HK$2.74M · min. income ≈ HK$26,562/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$123,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,903
−HK$751/mo
▼ 0.25% · 3.875%
HK$14,275
−HK$379/mo
Today · 4.125%
HK$14,654
baseline
▲ 0.50% · 4.625%
HK$15,426
+HK$772/mo
Deposit HK$2.74M · loan HK$2.74M · min. income ≈ HK$29,308/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$123,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,996
−HK$941/mo
▼ 0.25% · 3.875%
HK$15,463
−HK$474/mo
Today · 4.125%
HK$15,937
baseline
▲ 0.50% · 4.625%
HK$16,906
+HK$969/mo
Deposit HK$2.19M · loan HK$3.29M · min. income ≈ HK$31,874/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,683
−HK$901/mo
▼ 0.25% · 3.875%
HK$17,131
−HK$453/mo
Today · 4.125%
HK$17,584
baseline
▲ 0.50% · 4.625%
HK$18,511
+HK$927/mo
Deposit HK$2.19M · loan HK$3.29M · min. income ≈ HK$35,168/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,496
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$18,040
−HK$553/mo
Today · 4.125%
HK$18,593
baseline
▲ 0.50% · 4.625%
HK$19,724
+HK$1,131/mo
Deposit HK$1.64M · loan HK$3.84M · min. income ≈ HK$37,186/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,464
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$19,986
−HK$529/mo
Today · 4.125%
HK$20,515
baseline
▲ 0.50% · 4.625%
HK$21,597
+HK$1,082/mo
Deposit HK$1.64M · loan HK$3.84M · min. income ≈ HK$41,030/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,494
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$23,194
−HK$711/mo
Today · 4.125%
HK$23,905
baseline
▲ 0.50% · 4.625%
HK$25,359
+HK$1,454/mo
Deposit HK$548K · loan HK$4.93M · min. income ≈ HK$47,810/mo (50% DSR)
Upfront cash ≈ HK$671K (deposit + AVD stamp duty HK$123,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,025
−HK$1,352/mo
▼ 0.25% · 3.875%
HK$25,696
−HK$681/mo
Today · 4.125%
HK$26,377
baseline
▲ 0.50% · 4.625%
HK$27,767
+HK$1,390/mo
Deposit HK$548K · loan HK$4.93M · min. income ≈ HK$52,754/mo (50% DSR)
Upfront cash ≈ HK$671K (deposit + AVD stamp duty HK$123,311 · 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).