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$12,483
−HK$783/mo
▼ 0.25% · 3.875%
HK$12,871
−HK$395/mo
Today · 4.125%
HK$13,266
baseline
▲ 0.50% · 4.625%
HK$14,073
+HK$807/mo
Deposit HK$2.74M · loan HK$2.74M · min. income ≈ HK$26,532/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$123,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,887
−HK$750/mo
▼ 0.25% · 3.875%
HK$14,260
−HK$377/mo
Today · 4.125%
HK$14,637
baseline
▲ 0.50% · 4.625%
HK$15,409
+HK$772/mo
Deposit HK$2.74M · loan HK$2.74M · min. income ≈ HK$29,274/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$123,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,979
−HK$940/mo
▼ 0.25% · 3.875%
HK$15,445
−HK$474/mo
Today · 4.125%
HK$15,919
baseline
▲ 0.50% · 4.625%
HK$16,887
+HK$968/mo
Deposit HK$2.19M · loan HK$3.28M · min. income ≈ HK$31,838/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$123,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,665
−HK$900/mo
▼ 0.25% · 3.875%
HK$17,111
−HK$454/mo
Today · 4.125%
HK$17,565
baseline
▲ 0.50% · 4.625%
HK$18,491
+HK$926/mo
Deposit HK$2.19M · loan HK$3.28M · min. income ≈ HK$35,130/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$123,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,476
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$18,020
−HK$552/mo
Today · 4.125%
HK$18,572
baseline
▲ 0.50% · 4.625%
HK$19,702
+HK$1,130/mo
Deposit HK$1.64M · loan HK$3.83M · min. income ≈ HK$37,144/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,442
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$19,963
−HK$529/mo
Today · 4.125%
HK$20,492
baseline
▲ 0.50% · 4.625%
HK$21,573
+HK$1,081/mo
Deposit HK$1.64M · loan HK$3.83M · min. income ≈ HK$40,984/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,469
−HK$1,409/mo
▼ 0.25% · 3.875%
HK$23,168
−HK$710/mo
Today · 4.125%
HK$23,878
baseline
▲ 0.50% · 4.625%
HK$25,331
+HK$1,453/mo
Deposit HK$547K · loan HK$4.93M · min. income ≈ HK$47,756/mo (50% DSR)
Upfront cash ≈ HK$671K (deposit + AVD stamp duty HK$123,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,997
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$25,667
−HK$680/mo
Today · 4.125%
HK$26,347
baseline
▲ 0.50% · 4.625%
HK$27,736
+HK$1,389/mo
Deposit HK$547K · loan HK$4.93M · min. income ≈ HK$52,694/mo (50% DSR)
Upfront cash ≈ HK$671K (deposit + AVD stamp duty HK$123,173 · 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).