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$12,457
−HK$781/mo
▼ 0.25% · 3.875%
HK$12,844
−HK$394/mo
Today · 4.125%
HK$13,238
baseline
▲ 0.50% · 4.625%
HK$14,044
+HK$806/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$26,476/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$122,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,858
−HK$749/mo
▼ 0.25% · 3.875%
HK$14,230
−HK$377/mo
Today · 4.125%
HK$14,607
baseline
▲ 0.50% · 4.625%
HK$15,377
+HK$770/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$29,214/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$122,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,948
−HK$938/mo
▼ 0.25% · 3.875%
HK$15,413
−HK$473/mo
Today · 4.125%
HK$15,886
baseline
▲ 0.50% · 4.625%
HK$16,852
+HK$966/mo
Deposit HK$2.19M · loan HK$3.28M · min. income ≈ HK$31,772/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$122,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,630
−HK$898/mo
▼ 0.25% · 3.875%
HK$17,076
−HK$452/mo
Today · 4.125%
HK$17,528
baseline
▲ 0.50% · 4.625%
HK$18,452
+HK$924/mo
Deposit HK$2.19M · loan HK$3.28M · min. income ≈ HK$35,056/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$122,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,440
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$17,982
−HK$551/mo
Today · 4.125%
HK$18,533
baseline
▲ 0.50% · 4.625%
HK$19,661
+HK$1,128/mo
Deposit HK$1.64M · loan HK$3.82M · min. income ≈ HK$37,066/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,402
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$19,922
−HK$528/mo
Today · 4.125%
HK$20,450
baseline
▲ 0.50% · 4.625%
HK$21,528
+HK$1,078/mo
Deposit HK$1.64M · loan HK$3.82M · min. income ≈ HK$40,900/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,423
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$23,120
−HK$709/mo
Today · 4.125%
HK$23,829
baseline
▲ 0.50% · 4.625%
HK$25,279
+HK$1,450/mo
Deposit HK$546K · loan HK$4.92M · min. income ≈ HK$47,658/mo (50% DSR)
Upfront cash ≈ HK$669K (deposit + AVD stamp duty HK$122,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,945
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$25,614
−HK$679/mo
Today · 4.125%
HK$26,293
baseline
▲ 0.50% · 4.625%
HK$27,678
+HK$1,385/mo
Deposit HK$546K · loan HK$4.92M · min. income ≈ HK$52,586/mo (50% DSR)
Upfront cash ≈ HK$669K (deposit + AVD stamp duty HK$122,917 · 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).