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$12,426
−HK$779/mo
▼ 0.25% · 3.875%
HK$12,812
−HK$393/mo
Today · 4.125%
HK$13,205
baseline
▲ 0.50% · 4.625%
HK$14,008
+HK$803/mo
Deposit HK$2.72M · loan HK$2.72M · min. income ≈ HK$26,410/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$122,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,823
−HK$747/mo
▼ 0.25% · 3.875%
HK$14,194
−HK$376/mo
Today · 4.125%
HK$14,570
baseline
▲ 0.50% · 4.625%
HK$15,338
+HK$768/mo
Deposit HK$2.72M · loan HK$2.72M · min. income ≈ HK$29,140/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$122,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,911
−HK$935/mo
▼ 0.25% · 3.875%
HK$15,374
−HK$472/mo
Today · 4.125%
HK$15,846
baseline
▲ 0.50% · 4.625%
HK$16,810
+HK$964/mo
Deposit HK$2.18M · loan HK$3.27M · min. income ≈ HK$31,692/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,588
−HK$896/mo
▼ 0.25% · 3.875%
HK$17,033
−HK$451/mo
Today · 4.125%
HK$17,484
baseline
▲ 0.50% · 4.625%
HK$18,406
+HK$922/mo
Deposit HK$2.18M · loan HK$3.27M · min. income ≈ HK$34,968/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,396
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$17,937
−HK$550/mo
Today · 4.125%
HK$18,487
baseline
▲ 0.50% · 4.625%
HK$19,611
+HK$1,124/mo
Deposit HK$1.63M · loan HK$3.81M · min. income ≈ HK$36,974/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,353
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$19,872
−HK$526/mo
Today · 4.125%
HK$20,398
baseline
▲ 0.50% · 4.625%
HK$21,473
+HK$1,075/mo
Deposit HK$1.63M · loan HK$3.81M · min. income ≈ HK$40,796/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,366
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$23,062
−HK$707/mo
Today · 4.125%
HK$23,769
baseline
▲ 0.50% · 4.625%
HK$25,215
+HK$1,446/mo
Deposit HK$545K · loan HK$4.90M · min. income ≈ HK$47,538/mo (50% DSR)
Upfront cash ≈ HK$668K (deposit + AVD stamp duty HK$122,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,882
−HK$1,344/mo
▼ 0.25% · 3.875%
HK$25,549
−HK$677/mo
Today · 4.125%
HK$26,226
baseline
▲ 0.50% · 4.625%
HK$27,609
+HK$1,383/mo
Deposit HK$545K · loan HK$4.90M · min. income ≈ HK$52,452/mo (50% DSR)
Upfront cash ≈ HK$668K (deposit + AVD stamp duty HK$122,607 · 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).