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$12,429
−HK$780/mo
▼ 0.25% · 3.875%
HK$12,816
−HK$393/mo
Today · 4.125%
HK$13,209
baseline
▲ 0.50% · 4.625%
HK$14,012
+HK$803/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$26,418/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$122,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,827
−HK$747/mo
▼ 0.25% · 3.875%
HK$14,198
−HK$376/mo
Today · 4.125%
HK$14,574
baseline
▲ 0.50% · 4.625%
HK$15,343
+HK$769/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$29,148/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$122,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,915
−HK$935/mo
▼ 0.25% · 3.875%
HK$15,379
−HK$471/mo
Today · 4.125%
HK$15,850
baseline
▲ 0.50% · 4.625%
HK$16,815
+HK$965/mo
Deposit HK$2.18M · loan HK$3.27M · min. income ≈ HK$31,700/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,593
−HK$896/mo
▼ 0.25% · 3.875%
HK$17,038
−HK$451/mo
Today · 4.125%
HK$17,489
baseline
▲ 0.50% · 4.625%
HK$18,411
+HK$922/mo
Deposit HK$2.18M · loan HK$3.27M · min. income ≈ HK$34,978/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,401
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$17,942
−HK$550/mo
Today · 4.125%
HK$18,492
baseline
▲ 0.50% · 4.625%
HK$19,617
+HK$1,125/mo
Deposit HK$1.64M · loan HK$3.82M · min. income ≈ HK$36,984/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,358
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$19,877
−HK$527/mo
Today · 4.125%
HK$20,404
baseline
▲ 0.50% · 4.625%
HK$21,480
+HK$1,076/mo
Deposit HK$1.64M · loan HK$3.82M · min. income ≈ HK$40,808/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,372
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$23,068
−HK$707/mo
Today · 4.125%
HK$23,775
baseline
▲ 0.50% · 4.625%
HK$25,222
+HK$1,447/mo
Deposit HK$545K · loan HK$4.91M · min. income ≈ HK$47,550/mo (50% DSR)
Upfront cash ≈ HK$668K (deposit + AVD stamp duty HK$122,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,889
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$25,557
−HK$677/mo
Today · 4.125%
HK$26,234
baseline
▲ 0.50% · 4.625%
HK$27,617
+HK$1,383/mo
Deposit HK$545K · loan HK$4.91M · min. income ≈ HK$52,468/mo (50% DSR)
Upfront cash ≈ HK$668K (deposit + AVD stamp duty HK$122,643 · 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).