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$12,477
−HK$783/mo
▼ 0.25% · 3.875%
HK$12,865
−HK$395/mo
Today · 4.125%
HK$13,260
baseline
▲ 0.50% · 4.625%
HK$14,066
+HK$806/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$123,116 · 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$123,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,973
−HK$938/mo
▼ 0.25% · 3.875%
HK$15,438
−HK$473/mo
Today · 4.125%
HK$15,911
baseline
▲ 0.50% · 4.625%
HK$16,880
+HK$969/mo
Deposit HK$2.19M · loan HK$3.28M · min. income ≈ HK$31,822/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$123,116 · 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$18,482
+HK$925/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$123,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,468
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$18,011
−HK$552/mo
Today · 4.125%
HK$18,563
baseline
▲ 0.50% · 4.625%
HK$19,693
+HK$1,130/mo
Deposit HK$1.64M · loan HK$3.83M · min. income ≈ HK$37,126/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$123,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,433
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$19,954
−HK$529/mo
Today · 4.125%
HK$20,483
baseline
▲ 0.50% · 4.625%
HK$21,562
+HK$1,079/mo
Deposit HK$1.64M · loan HK$3.83M · min. income ≈ HK$40,966/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$123,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,459
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$23,157
−HK$710/mo
Today · 4.125%
HK$23,867
baseline
▲ 0.50% · 4.625%
HK$25,319
+HK$1,452/mo
Deposit HK$547K · loan HK$4.92M · min. income ≈ HK$47,734/mo (50% DSR)
Upfront cash ≈ HK$670K (deposit + AVD stamp duty HK$123,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,985
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$25,655
−HK$680/mo
Today · 4.125%
HK$26,335
baseline
▲ 0.50% · 4.625%
HK$27,723
+HK$1,388/mo
Deposit HK$547K · loan HK$4.92M · min. income ≈ HK$52,670/mo (50% DSR)
Upfront cash ≈ HK$670K (deposit + AVD stamp duty HK$123,116 · 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).