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$12,432
−HK$779/mo
▼ 0.25% · 3.875%
HK$12,818
−HK$393/mo
Today · 4.125%
HK$13,211
baseline
▲ 0.50% · 4.625%
HK$14,015
+HK$804/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$26,422/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$122,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,830
−HK$747/mo
▼ 0.25% · 3.875%
HK$14,201
−HK$376/mo
Today · 4.125%
HK$14,577
baseline
▲ 0.50% · 4.625%
HK$15,346
+HK$769/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$29,154/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$122,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,918
−HK$935/mo
▼ 0.25% · 3.875%
HK$15,382
−HK$471/mo
Today · 4.125%
HK$15,853
baseline
▲ 0.50% · 4.625%
HK$16,818
+HK$965/mo
Deposit HK$2.18M · loan HK$3.27M · min. income ≈ HK$31,706/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,596
−HK$897/mo
▼ 0.25% · 3.875%
HK$17,041
−HK$452/mo
Today · 4.125%
HK$17,493
baseline
▲ 0.50% · 4.625%
HK$18,415
+HK$922/mo
Deposit HK$2.18M · loan HK$3.27M · min. income ≈ HK$34,986/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,404
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$17,946
−HK$550/mo
Today · 4.125%
HK$18,496
baseline
▲ 0.50% · 4.625%
HK$19,621
+HK$1,125/mo
Deposit HK$1.64M · loan HK$3.82M · min. income ≈ HK$36,992/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,362
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$19,881
−HK$527/mo
Today · 4.125%
HK$20,408
baseline
▲ 0.50% · 4.625%
HK$21,484
+HK$1,076/mo
Deposit HK$1.64M · loan HK$3.82M · min. income ≈ HK$40,816/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,377
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$23,073
−HK$707/mo
Today · 4.125%
HK$23,780
baseline
▲ 0.50% · 4.625%
HK$25,227
+HK$1,447/mo
Deposit HK$545K · loan HK$4.91M · min. income ≈ HK$47,560/mo (50% DSR)
Upfront cash ≈ HK$668K (deposit + AVD stamp duty HK$122,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,894
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$25,562
−HK$677/mo
Today · 4.125%
HK$26,239
baseline
▲ 0.50% · 4.625%
HK$27,622
+HK$1,383/mo
Deposit HK$545K · loan HK$4.91M · min. income ≈ HK$52,478/mo (50% DSR)
Upfront cash ≈ HK$668K (deposit + AVD stamp duty HK$122,667 · 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).