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$12,437
−HK$780/mo
▼ 0.25% · 3.875%
HK$12,824
−HK$393/mo
Today · 4.125%
HK$13,217
baseline
▲ 0.50% · 4.625%
HK$14,021
+HK$804/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$26,434/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$122,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,836
−HK$748/mo
▼ 0.25% · 3.875%
HK$14,207
−HK$377/mo
Today · 4.125%
HK$14,584
baseline
▲ 0.50% · 4.625%
HK$15,352
+HK$768/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$29,168/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$122,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,924
−HK$936/mo
▼ 0.25% · 3.875%
HK$15,389
−HK$471/mo
Today · 4.125%
HK$15,860
baseline
▲ 0.50% · 4.625%
HK$16,825
+HK$965/mo
Deposit HK$2.18M · loan HK$3.27M · min. income ≈ HK$31,720/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,603
−HK$897/mo
▼ 0.25% · 3.875%
HK$17,049
−HK$451/mo
Today · 4.125%
HK$17,500
baseline
▲ 0.50% · 4.625%
HK$18,423
+HK$923/mo
Deposit HK$2.18M · loan HK$3.27M · min. income ≈ HK$35,000/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,412
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$17,954
−HK$550/mo
Today · 4.125%
HK$18,504
baseline
▲ 0.50% · 4.625%
HK$19,630
+HK$1,126/mo
Deposit HK$1.64M · loan HK$3.82M · min. income ≈ HK$37,008/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,371
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$19,890
−HK$527/mo
Today · 4.125%
HK$20,417
baseline
▲ 0.50% · 4.625%
HK$21,493
+HK$1,076/mo
Deposit HK$1.64M · loan HK$3.82M · min. income ≈ HK$40,834/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,387
−HK$1,404/mo
▼ 0.25% · 3.875%
HK$23,083
−HK$708/mo
Today · 4.125%
HK$23,791
baseline
▲ 0.50% · 4.625%
HK$25,238
+HK$1,447/mo
Deposit HK$545K · loan HK$4.91M · min. income ≈ HK$47,582/mo (50% DSR)
Upfront cash ≈ HK$668K (deposit + AVD stamp duty HK$122,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,905
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$25,573
−HK$678/mo
Today · 4.125%
HK$26,251
baseline
▲ 0.50% · 4.625%
HK$27,634
+HK$1,383/mo
Deposit HK$545K · loan HK$4.91M · min. income ≈ HK$52,502/mo (50% DSR)
Upfront cash ≈ HK$668K (deposit + AVD stamp duty HK$122,721 · 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).