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$12,478
−HK$782/mo
▼ 0.25% · 3.875%
HK$12,866
−HK$394/mo
Today · 4.125%
HK$13,260
baseline
▲ 0.50% · 4.625%
HK$14,067
+HK$807/mo
Deposit HK$2.74M · loan HK$2.74M · min. income ≈ HK$26,520/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$123,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,881
−HK$750/mo
▼ 0.25% · 3.875%
HK$14,253
−HK$378/mo
Today · 4.125%
HK$14,631
baseline
▲ 0.50% · 4.625%
HK$15,402
+HK$771/mo
Deposit HK$2.74M · loan HK$2.74M · min. income ≈ HK$29,262/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$123,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,973
−HK$939/mo
▼ 0.25% · 3.875%
HK$15,439
−HK$473/mo
Today · 4.125%
HK$15,912
baseline
▲ 0.50% · 4.625%
HK$16,880
+HK$968/mo
Deposit HK$2.19M · loan HK$3.28M · min. income ≈ HK$31,824/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$123,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,657
−HK$900/mo
▼ 0.25% · 3.875%
HK$17,104
−HK$453/mo
Today · 4.125%
HK$17,557
baseline
▲ 0.50% · 4.625%
HK$18,483
+HK$926/mo
Deposit HK$2.19M · loan HK$3.28M · min. income ≈ HK$35,114/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$123,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,469
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$18,012
−HK$552/mo
Today · 4.125%
HK$18,564
baseline
▲ 0.50% · 4.625%
HK$19,694
+HK$1,130/mo
Deposit HK$1.64M · loan HK$3.83M · min. income ≈ HK$37,128/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$123,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,434
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$19,955
−HK$529/mo
Today · 4.125%
HK$20,484
baseline
▲ 0.50% · 4.625%
HK$21,563
+HK$1,079/mo
Deposit HK$1.64M · loan HK$3.83M · min. income ≈ HK$40,968/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$123,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,460
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$23,158
−HK$710/mo
Today · 4.125%
HK$23,868
baseline
▲ 0.50% · 4.625%
HK$25,320
+HK$1,452/mo
Deposit HK$547K · loan HK$4.92M · min. income ≈ HK$47,736/mo (50% DSR)
Upfront cash ≈ HK$670K (deposit + AVD stamp duty HK$123,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,986
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$25,656
−HK$680/mo
Today · 4.125%
HK$26,336
baseline
▲ 0.50% · 4.625%
HK$27,724
+HK$1,388/mo
Deposit HK$547K · loan HK$4.92M · min. income ≈ HK$52,672/mo (50% DSR)
Upfront cash ≈ HK$670K (deposit + AVD stamp duty HK$123,120 · 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).