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$12,440
−HK$780/mo
▼ 0.25% · 3.875%
HK$12,827
−HK$393/mo
Today · 4.125%
HK$13,220
baseline
▲ 0.50% · 4.625%
HK$14,025
+HK$805/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$26,440/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$122,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,840
−HK$747/mo
▼ 0.25% · 3.875%
HK$14,211
−HK$376/mo
Today · 4.125%
HK$14,587
baseline
▲ 0.50% · 4.625%
HK$15,356
+HK$769/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$29,174/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$122,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,928
−HK$936/mo
▼ 0.25% · 3.875%
HK$15,392
−HK$472/mo
Today · 4.125%
HK$15,864
baseline
▲ 0.50% · 4.625%
HK$16,830
+HK$966/mo
Deposit HK$2.18M · loan HK$3.27M · min. income ≈ HK$31,728/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,607
−HK$898/mo
▼ 0.25% · 3.875%
HK$17,053
−HK$452/mo
Today · 4.125%
HK$17,505
baseline
▲ 0.50% · 4.625%
HK$18,427
+HK$922/mo
Deposit HK$2.18M · loan HK$3.27M · min. income ≈ HK$35,010/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,416
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$17,958
−HK$550/mo
Today · 4.125%
HK$18,508
baseline
▲ 0.50% · 4.625%
HK$19,635
+HK$1,127/mo
Deposit HK$1.64M · loan HK$3.82M · min. income ≈ HK$37,016/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,375
−HK$1,047/mo
▼ 0.25% · 3.875%
HK$19,895
−HK$527/mo
Today · 4.125%
HK$20,422
baseline
▲ 0.50% · 4.625%
HK$21,499
+HK$1,077/mo
Deposit HK$1.64M · loan HK$3.82M · min. income ≈ HK$40,844/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,392
−HK$1,404/mo
▼ 0.25% · 3.875%
HK$23,089
−HK$707/mo
Today · 4.125%
HK$23,796
baseline
▲ 0.50% · 4.625%
HK$25,244
+HK$1,448/mo
Deposit HK$546K · loan HK$4.91M · min. income ≈ HK$47,592/mo (50% DSR)
Upfront cash ≈ HK$668K (deposit + AVD stamp duty HK$122,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,911
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$25,579
−HK$678/mo
Today · 4.125%
HK$26,257
baseline
▲ 0.50% · 4.625%
HK$27,641
+HK$1,384/mo
Deposit HK$546K · loan HK$4.91M · min. income ≈ HK$52,514/mo (50% DSR)
Upfront cash ≈ HK$668K (deposit + AVD stamp duty HK$122,751 · 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).