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$12,507
−HK$785/mo
▼ 0.25% · 3.875%
HK$12,896
−HK$396/mo
Today · 4.125%
HK$13,292
baseline
▲ 0.50% · 4.625%
HK$14,100
+HK$808/mo
Deposit HK$2.74M · loan HK$2.74M · min. income ≈ HK$26,584/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$123,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,914
−HK$752/mo
▼ 0.25% · 3.875%
HK$14,287
−HK$379/mo
Today · 4.125%
HK$14,666
baseline
▲ 0.50% · 4.625%
HK$15,439
+HK$773/mo
Deposit HK$2.74M · loan HK$2.74M · min. income ≈ HK$29,332/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$123,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,009
−HK$941/mo
▼ 0.25% · 3.875%
HK$15,475
−HK$475/mo
Today · 4.125%
HK$15,950
baseline
▲ 0.50% · 4.625%
HK$16,920
+HK$970/mo
Deposit HK$2.19M · loan HK$3.29M · min. income ≈ HK$31,900/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,697
−HK$902/mo
▼ 0.25% · 3.875%
HK$17,145
−HK$454/mo
Today · 4.125%
HK$17,599
baseline
▲ 0.50% · 4.625%
HK$18,527
+HK$928/mo
Deposit HK$2.19M · loan HK$3.29M · min. income ≈ HK$35,198/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,510
−HK$1,098/mo
▼ 0.25% · 3.875%
HK$18,055
−HK$553/mo
Today · 4.125%
HK$18,608
baseline
▲ 0.50% · 4.625%
HK$19,740
+HK$1,132/mo
Deposit HK$1.65M · loan HK$3.84M · min. income ≈ HK$37,216/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,480
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$20,002
−HK$530/mo
Today · 4.125%
HK$20,532
baseline
▲ 0.50% · 4.625%
HK$21,614
+HK$1,082/mo
Deposit HK$1.65M · loan HK$3.84M · min. income ≈ HK$41,064/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,513
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$23,213
−HK$712/mo
Today · 4.125%
HK$23,925
baseline
▲ 0.50% · 4.625%
HK$25,380
+HK$1,455/mo
Deposit HK$548K · loan HK$4.94M · min. income ≈ HK$47,850/mo (50% DSR)
Upfront cash ≈ HK$672K (deposit + AVD stamp duty HK$123,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,045
−HK$1,354/mo
▼ 0.25% · 3.875%
HK$25,717
−HK$682/mo
Today · 4.125%
HK$26,399
baseline
▲ 0.50% · 4.625%
HK$27,790
+HK$1,391/mo
Deposit HK$548K · loan HK$4.94M · min. income ≈ HK$52,798/mo (50% DSR)
Upfront cash ≈ HK$672K (deposit + AVD stamp duty HK$123,413 · 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).