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$12,493
−HK$784/mo
▼ 0.25% · 3.875%
HK$12,882
−HK$395/mo
Today · 4.125%
HK$13,277
baseline
▲ 0.50% · 4.625%
HK$14,085
+HK$808/mo
Deposit HK$2.74M · loan HK$2.74M · min. income ≈ HK$26,554/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$123,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,899
−HK$751/mo
▼ 0.25% · 3.875%
HK$14,271
−HK$379/mo
Today · 4.125%
HK$14,650
baseline
▲ 0.50% · 4.625%
HK$15,422
+HK$772/mo
Deposit HK$2.74M · loan HK$2.74M · min. income ≈ HK$29,300/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$123,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,992
−HK$940/mo
▼ 0.25% · 3.875%
HK$15,458
−HK$474/mo
Today · 4.125%
HK$15,932
baseline
▲ 0.50% · 4.625%
HK$16,902
+HK$970/mo
Deposit HK$2.19M · loan HK$3.29M · min. income ≈ HK$31,864/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$123,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,678
−HK$901/mo
▼ 0.25% · 3.875%
HK$17,126
−HK$453/mo
Today · 4.125%
HK$17,579
baseline
▲ 0.50% · 4.625%
HK$18,506
+HK$927/mo
Deposit HK$2.19M · loan HK$3.29M · min. income ≈ HK$35,158/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$123,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,491
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$18,035
−HK$552/mo
Today · 4.125%
HK$18,587
baseline
▲ 0.50% · 4.625%
HK$19,718
+HK$1,131/mo
Deposit HK$1.64M · loan HK$3.84M · min. income ≈ HK$37,174/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,458
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$19,980
−HK$529/mo
Today · 4.125%
HK$20,509
baseline
▲ 0.50% · 4.625%
HK$21,590
+HK$1,081/mo
Deposit HK$1.64M · loan HK$3.84M · min. income ≈ HK$41,018/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,488
−HK$1,410/mo
▼ 0.25% · 3.875%
HK$23,187
−HK$711/mo
Today · 4.125%
HK$23,898
baseline
▲ 0.50% · 4.625%
HK$25,352
+HK$1,454/mo
Deposit HK$548K · loan HK$4.93M · min. income ≈ HK$47,796/mo (50% DSR)
Upfront cash ≈ HK$671K (deposit + AVD stamp duty HK$123,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,018
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$25,689
−HK$680/mo
Today · 4.125%
HK$26,369
baseline
▲ 0.50% · 4.625%
HK$27,759
+HK$1,390/mo
Deposit HK$548K · loan HK$4.93M · min. income ≈ HK$52,738/mo (50% DSR)
Upfront cash ≈ HK$671K (deposit + AVD stamp duty HK$123,276 · 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).