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$12,451
−HK$781/mo
▼ 0.25% · 3.875%
HK$12,838
−HK$394/mo
Today · 4.125%
HK$13,232
baseline
▲ 0.50% · 4.625%
HK$14,037
+HK$805/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$26,464/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$122,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,852
−HK$748/mo
▼ 0.25% · 3.875%
HK$14,223
−HK$377/mo
Today · 4.125%
HK$14,600
baseline
▲ 0.50% · 4.625%
HK$15,369
+HK$769/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$29,200/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$122,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,941
−HK$937/mo
▼ 0.25% · 3.875%
HK$15,406
−HK$472/mo
Today · 4.125%
HK$15,878
baseline
▲ 0.50% · 4.625%
HK$16,844
+HK$966/mo
Deposit HK$2.18M · loan HK$3.28M · min. income ≈ HK$31,756/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$122,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,622
−HK$898/mo
▼ 0.25% · 3.875%
HK$17,068
−HK$452/mo
Today · 4.125%
HK$17,520
baseline
▲ 0.50% · 4.625%
HK$18,443
+HK$923/mo
Deposit HK$2.18M · loan HK$3.28M · min. income ≈ HK$35,040/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$122,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,431
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$17,974
−HK$550/mo
Today · 4.125%
HK$18,524
baseline
▲ 0.50% · 4.625%
HK$19,652
+HK$1,128/mo
Deposit HK$1.64M · loan HK$3.82M · min. income ≈ HK$37,048/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,392
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$19,912
−HK$528/mo
Today · 4.125%
HK$20,440
baseline
▲ 0.50% · 4.625%
HK$21,517
+HK$1,077/mo
Deposit HK$1.64M · loan HK$3.82M · min. income ≈ HK$40,880/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,412
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$23,109
−HK$708/mo
Today · 4.125%
HK$23,817
baseline
▲ 0.50% · 4.625%
HK$25,266
+HK$1,449/mo
Deposit HK$546K · loan HK$4.91M · min. income ≈ HK$47,634/mo (50% DSR)
Upfront cash ≈ HK$669K (deposit + AVD stamp duty HK$122,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,933
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$25,601
−HK$679/mo
Today · 4.125%
HK$26,280
baseline
▲ 0.50% · 4.625%
HK$27,665
+HK$1,385/mo
Deposit HK$546K · loan HK$4.91M · min. income ≈ HK$52,560/mo (50% DSR)
Upfront cash ≈ HK$669K (deposit + AVD stamp duty HK$122,858 · 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).