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$12,475
−HK$783/mo
▼ 0.25% · 3.875%
HK$12,864
−HK$394/mo
Today · 4.125%
HK$13,258
baseline
▲ 0.50% · 4.625%
HK$14,065
+HK$807/mo
Deposit HK$2.74M · loan HK$2.74M · min. income ≈ HK$26,516/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$123,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,879
−HK$750/mo
▼ 0.25% · 3.875%
HK$14,251
−HK$378/mo
Today · 4.125%
HK$14,629
baseline
▲ 0.50% · 4.625%
HK$15,400
+HK$771/mo
Deposit HK$2.74M · loan HK$2.74M · min. income ≈ HK$29,258/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$123,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,971
−HK$938/mo
▼ 0.25% · 3.875%
HK$15,436
−HK$473/mo
Today · 4.125%
HK$15,909
baseline
▲ 0.50% · 4.625%
HK$16,877
+HK$968/mo
Deposit HK$2.19M · loan HK$3.28M · min. income ≈ HK$31,818/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$123,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,655
−HK$899/mo
▼ 0.25% · 3.875%
HK$17,101
−HK$453/mo
Today · 4.125%
HK$17,554
baseline
▲ 0.50% · 4.625%
HK$18,480
+HK$926/mo
Deposit HK$2.19M · loan HK$3.28M · min. income ≈ HK$35,108/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$123,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,466
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$18,009
−HK$552/mo
Today · 4.125%
HK$18,561
baseline
▲ 0.50% · 4.625%
HK$19,690
+HK$1,129/mo
Deposit HK$1.64M · loan HK$3.83M · min. income ≈ HK$37,122/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$123,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,430
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$19,952
−HK$528/mo
Today · 4.125%
HK$20,480
baseline
▲ 0.50% · 4.625%
HK$21,560
+HK$1,080/mo
Deposit HK$1.64M · loan HK$3.83M · min. income ≈ HK$40,960/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$123,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,456
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$23,154
−HK$710/mo
Today · 4.125%
HK$23,864
baseline
▲ 0.50% · 4.625%
HK$25,316
+HK$1,452/mo
Deposit HK$547K · loan HK$4.92M · min. income ≈ HK$47,728/mo (50% DSR)
Upfront cash ≈ HK$670K (deposit + AVD stamp duty HK$123,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,982
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$25,652
−HK$680/mo
Today · 4.125%
HK$26,332
baseline
▲ 0.50% · 4.625%
HK$27,720
+HK$1,388/mo
Deposit HK$547K · loan HK$4.92M · min. income ≈ HK$52,664/mo (50% DSR)
Upfront cash ≈ HK$670K (deposit + AVD stamp duty HK$123,100 · 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).