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$12,514
−HK$785/mo
▼ 0.25% · 3.875%
HK$12,903
−HK$396/mo
Today · 4.125%
HK$13,299
baseline
▲ 0.50% · 4.625%
HK$14,108
+HK$809/mo
Deposit HK$2.74M · loan HK$2.74M · min. income ≈ HK$26,598/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$123,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,922
−HK$752/mo
▼ 0.25% · 3.875%
HK$14,295
−HK$379/mo
Today · 4.125%
HK$14,674
baseline
▲ 0.50% · 4.625%
HK$15,448
+HK$774/mo
Deposit HK$2.74M · loan HK$2.74M · min. income ≈ HK$29,348/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$123,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,017
−HK$942/mo
▼ 0.25% · 3.875%
HK$15,484
−HK$475/mo
Today · 4.125%
HK$15,959
baseline
▲ 0.50% · 4.625%
HK$16,930
+HK$971/mo
Deposit HK$2.20M · loan HK$3.29M · min. income ≈ HK$31,918/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,706
−HK$903/mo
▼ 0.25% · 3.875%
HK$17,154
−HK$455/mo
Today · 4.125%
HK$17,609
baseline
▲ 0.50% · 4.625%
HK$18,537
+HK$928/mo
Deposit HK$2.20M · loan HK$3.29M · min. income ≈ HK$35,218/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,520
−HK$1,098/mo
▼ 0.25% · 3.875%
HK$18,065
−HK$553/mo
Today · 4.125%
HK$18,618
baseline
▲ 0.50% · 4.625%
HK$19,751
+HK$1,133/mo
Deposit HK$1.65M · loan HK$3.84M · min. income ≈ HK$37,236/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,491
−HK$1,053/mo
▼ 0.25% · 3.875%
HK$20,013
−HK$531/mo
Today · 4.125%
HK$20,544
baseline
▲ 0.50% · 4.625%
HK$21,627
+HK$1,083/mo
Deposit HK$1.65M · loan HK$3.84M · min. income ≈ HK$41,088/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,526
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$23,226
−HK$712/mo
Today · 4.125%
HK$23,938
baseline
▲ 0.50% · 4.625%
HK$25,395
+HK$1,457/mo
Deposit HK$549K · loan HK$4.94M · min. income ≈ HK$47,876/mo (50% DSR)
Upfront cash ≈ HK$672K (deposit + AVD stamp duty HK$123,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,059
−HK$1,354/mo
▼ 0.25% · 3.875%
HK$25,731
−HK$682/mo
Today · 4.125%
HK$26,413
baseline
▲ 0.50% · 4.625%
HK$27,806
+HK$1,393/mo
Deposit HK$549K · loan HK$4.94M · min. income ≈ HK$52,826/mo (50% DSR)
Upfront cash ≈ HK$672K (deposit + AVD stamp duty HK$123,482 · 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).