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$12,450
−HK$781/mo
▼ 0.25% · 3.875%
HK$12,838
−HK$393/mo
Today · 4.125%
HK$13,231
baseline
▲ 0.50% · 4.625%
HK$14,036
+HK$805/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$26,462/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$122,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,851
−HK$748/mo
▼ 0.25% · 3.875%
HK$14,222
−HK$377/mo
Today · 4.125%
HK$14,599
baseline
▲ 0.50% · 4.625%
HK$15,369
+HK$770/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$29,198/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$122,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,940
−HK$937/mo
▼ 0.25% · 3.875%
HK$15,405
−HK$472/mo
Today · 4.125%
HK$15,877
baseline
▲ 0.50% · 4.625%
HK$16,843
+HK$966/mo
Deposit HK$2.18M · loan HK$3.28M · min. income ≈ HK$31,754/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$122,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,621
−HK$898/mo
▼ 0.25% · 3.875%
HK$17,067
−HK$452/mo
Today · 4.125%
HK$17,519
baseline
▲ 0.50% · 4.625%
HK$18,443
+HK$924/mo
Deposit HK$2.18M · loan HK$3.28M · min. income ≈ HK$35,038/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$122,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,430
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$17,973
−HK$551/mo
Today · 4.125%
HK$18,524
baseline
▲ 0.50% · 4.625%
HK$19,651
+HK$1,127/mo
Deposit HK$1.64M · loan HK$3.82M · min. income ≈ HK$37,048/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,391
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$19,911
−HK$528/mo
Today · 4.125%
HK$20,439
baseline
▲ 0.50% · 4.625%
HK$21,516
+HK$1,077/mo
Deposit HK$1.64M · loan HK$3.82M · min. income ≈ HK$40,878/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,411
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$23,108
−HK$708/mo
Today · 4.125%
HK$23,816
baseline
▲ 0.50% · 4.625%
HK$25,265
+HK$1,449/mo
Deposit HK$546K · loan HK$4.91M · min. income ≈ HK$47,632/mo (50% DSR)
Upfront cash ≈ HK$669K (deposit + AVD stamp duty HK$122,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,932
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$25,600
−HK$679/mo
Today · 4.125%
HK$26,279
baseline
▲ 0.50% · 4.625%
HK$27,664
+HK$1,385/mo
Deposit HK$546K · loan HK$4.91M · min. income ≈ HK$52,558/mo (50% DSR)
Upfront cash ≈ HK$669K (deposit + AVD stamp duty HK$122,852 · 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).