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$12,505
−HK$784/mo
▼ 0.25% · 3.875%
HK$12,894
−HK$395/mo
Today · 4.125%
HK$13,289
baseline
▲ 0.50% · 4.625%
HK$14,097
+HK$808/mo
Deposit HK$2.74M · loan HK$2.74M · min. income ≈ HK$26,578/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$123,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,911
−HK$752/mo
▼ 0.25% · 3.875%
HK$14,284
−HK$379/mo
Today · 4.125%
HK$14,663
baseline
▲ 0.50% · 4.625%
HK$15,436
+HK$773/mo
Deposit HK$2.74M · loan HK$2.74M · min. income ≈ HK$29,326/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$123,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,006
−HK$941/mo
▼ 0.25% · 3.875%
HK$15,472
−HK$475/mo
Today · 4.125%
HK$15,947
baseline
▲ 0.50% · 4.625%
HK$16,917
+HK$970/mo
Deposit HK$2.19M · loan HK$3.29M · min. income ≈ HK$31,894/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,694
−HK$902/mo
▼ 0.25% · 3.875%
HK$17,141
−HK$455/mo
Today · 4.125%
HK$17,596
baseline
▲ 0.50% · 4.625%
HK$18,523
+HK$927/mo
Deposit HK$2.19M · loan HK$3.29M · min. income ≈ HK$35,192/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,507
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$18,051
−HK$553/mo
Today · 4.125%
HK$18,604
baseline
▲ 0.50% · 4.625%
HK$19,736
+HK$1,132/mo
Deposit HK$1.65M · loan HK$3.84M · min. income ≈ HK$37,208/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,476
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$19,998
−HK$530/mo
Today · 4.125%
HK$20,528
baseline
▲ 0.50% · 4.625%
HK$21,610
+HK$1,082/mo
Deposit HK$1.65M · loan HK$3.84M · min. income ≈ HK$41,056/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,508
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$23,209
−HK$711/mo
Today · 4.125%
HK$23,920
baseline
▲ 0.50% · 4.625%
HK$25,375
+HK$1,455/mo
Deposit HK$548K · loan HK$4.94M · min. income ≈ HK$47,840/mo (50% DSR)
Upfront cash ≈ HK$672K (deposit + AVD stamp duty HK$123,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,040
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$25,712
−HK$681/mo
Today · 4.125%
HK$26,393
baseline
▲ 0.50% · 4.625%
HK$27,785
+HK$1,392/mo
Deposit HK$548K · loan HK$4.94M · min. income ≈ HK$52,786/mo (50% DSR)
Upfront cash ≈ HK$672K (deposit + AVD stamp duty HK$123,388 · 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).