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$12,435
−HK$780/mo
▼ 0.25% · 3.875%
HK$12,822
−HK$393/mo
Today · 4.125%
HK$13,215
baseline
▲ 0.50% · 4.625%
HK$14,019
+HK$804/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$26,430/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$122,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,834
−HK$748/mo
▼ 0.25% · 3.875%
HK$14,205
−HK$377/mo
Today · 4.125%
HK$14,582
baseline
▲ 0.50% · 4.625%
HK$15,350
+HK$768/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$29,164/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$122,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,922
−HK$936/mo
▼ 0.25% · 3.875%
HK$15,387
−HK$471/mo
Today · 4.125%
HK$15,858
baseline
▲ 0.50% · 4.625%
HK$16,823
+HK$965/mo
Deposit HK$2.18M · loan HK$3.27M · min. income ≈ HK$31,716/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,601
−HK$897/mo
▼ 0.25% · 3.875%
HK$17,046
−HK$452/mo
Today · 4.125%
HK$17,498
baseline
▲ 0.50% · 4.625%
HK$18,420
+HK$922/mo
Deposit HK$2.18M · loan HK$3.27M · min. income ≈ HK$34,996/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,410
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$17,951
−HK$550/mo
Today · 4.125%
HK$18,501
baseline
▲ 0.50% · 4.625%
HK$19,627
+HK$1,126/mo
Deposit HK$1.64M · loan HK$3.82M · min. income ≈ HK$37,002/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,368
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$19,887
−HK$527/mo
Today · 4.125%
HK$20,414
baseline
▲ 0.50% · 4.625%
HK$21,490
+HK$1,076/mo
Deposit HK$1.64M · loan HK$3.82M · min. income ≈ HK$40,828/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,384
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$23,080
−HK$707/mo
Today · 4.125%
HK$23,787
baseline
▲ 0.50% · 4.625%
HK$25,235
+HK$1,448/mo
Deposit HK$545K · loan HK$4.91M · min. income ≈ HK$47,574/mo (50% DSR)
Upfront cash ≈ HK$668K (deposit + AVD stamp duty HK$122,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,902
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$25,569
−HK$678/mo
Today · 4.125%
HK$26,247
baseline
▲ 0.50% · 4.625%
HK$27,630
+HK$1,383/mo
Deposit HK$545K · loan HK$4.91M · min. income ≈ HK$52,494/mo (50% DSR)
Upfront cash ≈ HK$668K (deposit + AVD stamp duty HK$122,704 · 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).