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$12,487
−HK$783/mo
▼ 0.25% · 3.875%
HK$12,876
−HK$394/mo
Today · 4.125%
HK$13,270
baseline
▲ 0.50% · 4.625%
HK$14,078
+HK$808/mo
Deposit HK$2.74M · loan HK$2.74M · min. income ≈ HK$26,540/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$123,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,892
−HK$750/mo
▼ 0.25% · 3.875%
HK$14,264
−HK$378/mo
Today · 4.125%
HK$14,642
baseline
▲ 0.50% · 4.625%
HK$15,414
+HK$772/mo
Deposit HK$2.74M · loan HK$2.74M · min. income ≈ HK$29,284/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$123,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,985
−HK$939/mo
▼ 0.25% · 3.875%
HK$15,451
−HK$473/mo
Today · 4.125%
HK$15,924
baseline
▲ 0.50% · 4.625%
HK$16,893
+HK$969/mo
Deposit HK$2.19M · loan HK$3.29M · min. income ≈ HK$31,848/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$123,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,670
−HK$901/mo
▼ 0.25% · 3.875%
HK$17,117
−HK$454/mo
Today · 4.125%
HK$17,571
baseline
▲ 0.50% · 4.625%
HK$18,497
+HK$926/mo
Deposit HK$2.19M · loan HK$3.29M · min. income ≈ HK$35,142/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$123,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,482
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$18,026
−HK$552/mo
Today · 4.125%
HK$18,578
baseline
▲ 0.50% · 4.625%
HK$19,709
+HK$1,131/mo
Deposit HK$1.64M · loan HK$3.83M · min. income ≈ HK$37,156/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,449
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$19,970
−HK$529/mo
Today · 4.125%
HK$20,499
baseline
▲ 0.50% · 4.625%
HK$21,580
+HK$1,081/mo
Deposit HK$1.64M · loan HK$3.83M · min. income ≈ HK$40,998/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,477
−HK$1,409/mo
▼ 0.25% · 3.875%
HK$23,176
−HK$710/mo
Today · 4.125%
HK$23,886
baseline
▲ 0.50% · 4.625%
HK$25,340
+HK$1,454/mo
Deposit HK$548K · loan HK$4.93M · min. income ≈ HK$47,772/mo (50% DSR)
Upfront cash ≈ HK$671K (deposit + AVD stamp duty HK$123,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,005
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$25,676
−HK$680/mo
Today · 4.125%
HK$26,356
baseline
▲ 0.50% · 4.625%
HK$27,745
+HK$1,389/mo
Deposit HK$548K · loan HK$4.93M · min. income ≈ HK$52,712/mo (50% DSR)
Upfront cash ≈ HK$671K (deposit + AVD stamp duty HK$123,215 · 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).