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$12,424
−HK$779/mo
▼ 0.25% · 3.875%
HK$12,810
−HK$393/mo
Today · 4.125%
HK$13,203
baseline
▲ 0.50% · 4.625%
HK$14,006
+HK$803/mo
Deposit HK$2.72M · loan HK$2.72M · min. income ≈ HK$26,406/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$122,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,821
−HK$747/mo
▼ 0.25% · 3.875%
HK$14,192
−HK$376/mo
Today · 4.125%
HK$14,568
baseline
▲ 0.50% · 4.625%
HK$15,336
+HK$768/mo
Deposit HK$2.72M · loan HK$2.72M · min. income ≈ HK$29,136/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$122,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,909
−HK$934/mo
▼ 0.25% · 3.875%
HK$15,372
−HK$471/mo
Today · 4.125%
HK$15,843
baseline
▲ 0.50% · 4.625%
HK$16,807
+HK$964/mo
Deposit HK$2.18M · loan HK$3.27M · min. income ≈ HK$31,686/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,586
−HK$896/mo
▼ 0.25% · 3.875%
HK$17,030
−HK$452/mo
Today · 4.125%
HK$17,482
baseline
▲ 0.50% · 4.625%
HK$18,403
+HK$921/mo
Deposit HK$2.18M · loan HK$3.27M · min. income ≈ HK$34,964/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,393
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$17,934
−HK$550/mo
Today · 4.125%
HK$18,484
baseline
▲ 0.50% · 4.625%
HK$19,609
+HK$1,125/mo
Deposit HK$1.63M · loan HK$3.81M · min. income ≈ HK$36,968/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,350
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$19,869
−HK$526/mo
Today · 4.125%
HK$20,395
baseline
▲ 0.50% · 4.625%
HK$21,470
+HK$1,075/mo
Deposit HK$1.63M · loan HK$3.81M · min. income ≈ HK$40,790/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,363
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$23,058
−HK$707/mo
Today · 4.125%
HK$23,765
baseline
▲ 0.50% · 4.625%
HK$25,211
+HK$1,446/mo
Deposit HK$545K · loan HK$4.90M · min. income ≈ HK$47,530/mo (50% DSR)
Upfront cash ≈ HK$667K (deposit + AVD stamp duty HK$122,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,878
−HK$1,344/mo
▼ 0.25% · 3.875%
HK$25,546
−HK$676/mo
Today · 4.125%
HK$26,222
baseline
▲ 0.50% · 4.625%
HK$27,605
+HK$1,383/mo
Deposit HK$545K · loan HK$4.90M · min. income ≈ HK$52,444/mo (50% DSR)
Upfront cash ≈ HK$667K (deposit + AVD stamp duty HK$122,590 · 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).