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$12,486
−HK$783/mo
▼ 0.25% · 3.875%
HK$12,874
−HK$395/mo
Today · 4.125%
HK$13,269
baseline
▲ 0.50% · 4.625%
HK$14,076
+HK$807/mo
Deposit HK$2.74M · loan HK$2.74M · min. income ≈ HK$26,538/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$123,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,890
−HK$751/mo
▼ 0.25% · 3.875%
HK$14,263
−HK$378/mo
Today · 4.125%
HK$14,641
baseline
▲ 0.50% · 4.625%
HK$15,412
+HK$771/mo
Deposit HK$2.74M · loan HK$2.74M · min. income ≈ HK$29,282/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$123,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,983
−HK$939/mo
▼ 0.25% · 3.875%
HK$15,449
−HK$473/mo
Today · 4.125%
HK$15,922
baseline
▲ 0.50% · 4.625%
HK$16,891
+HK$969/mo
Deposit HK$2.19M · loan HK$3.29M · min. income ≈ HK$31,844/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$123,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,668
−HK$901/mo
▼ 0.25% · 3.875%
HK$17,115
−HK$454/mo
Today · 4.125%
HK$17,569
baseline
▲ 0.50% · 4.625%
HK$18,495
+HK$926/mo
Deposit HK$2.19M · loan HK$3.29M · min. income ≈ HK$35,138/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$123,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,480
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$18,024
−HK$552/mo
Today · 4.125%
HK$18,576
baseline
▲ 0.50% · 4.625%
HK$19,706
+HK$1,130/mo
Deposit HK$1.64M · loan HK$3.83M · min. income ≈ HK$37,152/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,446
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$19,968
−HK$529/mo
Today · 4.125%
HK$20,497
baseline
▲ 0.50% · 4.625%
HK$21,577
+HK$1,080/mo
Deposit HK$1.64M · loan HK$3.83M · min. income ≈ HK$40,994/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,474
−HK$1,409/mo
▼ 0.25% · 3.875%
HK$23,173
−HK$710/mo
Today · 4.125%
HK$23,883
baseline
▲ 0.50% · 4.625%
HK$25,337
+HK$1,454/mo
Deposit HK$548K · loan HK$4.93M · min. income ≈ HK$47,766/mo (50% DSR)
Upfront cash ≈ HK$671K (deposit + AVD stamp duty HK$123,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,002
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$25,673
−HK$680/mo
Today · 4.125%
HK$26,353
baseline
▲ 0.50% · 4.625%
HK$27,742
+HK$1,389/mo
Deposit HK$548K · loan HK$4.93M · min. income ≈ HK$52,706/mo (50% DSR)
Upfront cash ≈ HK$671K (deposit + AVD stamp duty HK$123,200 · 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).