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$12,423
−HK$779/mo
▼ 0.25% · 3.875%
HK$12,809
−HK$393/mo
Today · 4.125%
HK$13,202
baseline
▲ 0.50% · 4.625%
HK$14,005
+HK$803/mo
Deposit HK$2.72M · loan HK$2.72M · min. income ≈ HK$26,404/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$122,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,821
−HK$746/mo
▼ 0.25% · 3.875%
HK$14,191
−HK$376/mo
Today · 4.125%
HK$14,567
baseline
▲ 0.50% · 4.625%
HK$15,335
+HK$768/mo
Deposit HK$2.72M · loan HK$2.72M · min. income ≈ HK$29,134/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$122,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,908
−HK$934/mo
▼ 0.25% · 3.875%
HK$15,371
−HK$471/mo
Today · 4.125%
HK$15,842
baseline
▲ 0.50% · 4.625%
HK$16,806
+HK$964/mo
Deposit HK$2.18M · loan HK$3.27M · min. income ≈ HK$31,684/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,585
−HK$896/mo
▼ 0.25% · 3.875%
HK$17,029
−HK$452/mo
Today · 4.125%
HK$17,481
baseline
▲ 0.50% · 4.625%
HK$18,402
+HK$921/mo
Deposit HK$2.18M · loan HK$3.27M · min. income ≈ HK$34,962/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,392
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$17,933
−HK$550/mo
Today · 4.125%
HK$18,483
baseline
▲ 0.50% · 4.625%
HK$19,608
+HK$1,125/mo
Deposit HK$1.63M · loan HK$3.81M · min. income ≈ HK$36,966/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,349
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$19,868
−HK$526/mo
Today · 4.125%
HK$20,394
baseline
▲ 0.50% · 4.625%
HK$21,469
+HK$1,075/mo
Deposit HK$1.63M · loan HK$3.81M · min. income ≈ HK$40,788/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,361
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$23,057
−HK$707/mo
Today · 4.125%
HK$23,764
baseline
▲ 0.50% · 4.625%
HK$25,210
+HK$1,446/mo
Deposit HK$545K · loan HK$4.90M · min. income ≈ HK$47,528/mo (50% DSR)
Upfront cash ≈ HK$667K (deposit + AVD stamp duty HK$122,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,877
−HK$1,344/mo
▼ 0.25% · 3.875%
HK$25,544
−HK$677/mo
Today · 4.125%
HK$26,221
baseline
▲ 0.50% · 4.625%
HK$27,603
+HK$1,382/mo
Deposit HK$545K · loan HK$4.90M · min. income ≈ HK$52,442/mo (50% DSR)
Upfront cash ≈ HK$667K (deposit + AVD stamp duty HK$122,583 · 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).