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$12,875
−HK$394/mo
Today · 4.125%
HK$13,269
baseline
▲ 0.50% · 4.625%
HK$14,077
+HK$808/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$123,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,891
−HK$750/mo
▼ 0.25% · 3.875%
HK$14,263
−HK$378/mo
Today · 4.125%
HK$14,641
baseline
▲ 0.50% · 4.625%
HK$15,413
+HK$772/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$123,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,984
−HK$939/mo
▼ 0.25% · 3.875%
HK$15,450
−HK$473/mo
Today · 4.125%
HK$15,923
baseline
▲ 0.50% · 4.625%
HK$16,892
+HK$969/mo
Deposit HK$2.19M · loan HK$3.29M · min. income ≈ HK$31,846/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$123,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,669
−HK$901/mo
▼ 0.25% · 3.875%
HK$17,116
−HK$454/mo
Today · 4.125%
HK$17,570
baseline
▲ 0.50% · 4.625%
HK$18,496
+HK$926/mo
Deposit HK$2.19M · loan HK$3.29M · min. income ≈ HK$35,140/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$123,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,481
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$18,025
−HK$552/mo
Today · 4.125%
HK$18,577
baseline
▲ 0.50% · 4.625%
HK$19,707
+HK$1,130/mo
Deposit HK$1.64M · loan HK$3.83M · min. income ≈ HK$37,154/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,447
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$19,969
−HK$529/mo
Today · 4.125%
HK$20,498
baseline
▲ 0.50% · 4.625%
HK$21,578
+HK$1,080/mo
Deposit HK$1.64M · loan HK$3.83M · min. income ≈ HK$40,996/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,475
−HK$1,410/mo
▼ 0.25% · 3.875%
HK$23,174
−HK$711/mo
Today · 4.125%
HK$23,885
baseline
▲ 0.50% · 4.625%
HK$25,338
+HK$1,453/mo
Deposit HK$548K · loan HK$4.93M · min. income ≈ HK$47,770/mo (50% DSR)
Upfront cash ≈ HK$671K (deposit + AVD stamp duty HK$123,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,004
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$25,674
−HK$680/mo
Today · 4.125%
HK$26,354
baseline
▲ 0.50% · 4.625%
HK$27,744
+HK$1,390/mo
Deposit HK$548K · loan HK$4.93M · min. income ≈ HK$52,708/mo (50% DSR)
Upfront cash ≈ HK$671K (deposit + AVD stamp duty HK$123,207 · 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).