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$12,463
−HK$781/mo
▼ 0.25% · 3.875%
HK$12,850
−HK$394/mo
Today · 4.125%
HK$13,244
baseline
▲ 0.50% · 4.625%
HK$14,050
+HK$806/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$26,488/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$122,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,865
−HK$749/mo
▼ 0.25% · 3.875%
HK$14,237
−HK$377/mo
Today · 4.125%
HK$14,614
baseline
▲ 0.50% · 4.625%
HK$15,384
+HK$770/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$29,228/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$122,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,955
−HK$938/mo
▼ 0.25% · 3.875%
HK$15,421
−HK$472/mo
Today · 4.125%
HK$15,893
baseline
▲ 0.50% · 4.625%
HK$16,860
+HK$967/mo
Deposit HK$2.19M · loan HK$3.28M · min. income ≈ HK$31,786/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$122,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,638
−HK$899/mo
▼ 0.25% · 3.875%
HK$17,084
−HK$453/mo
Today · 4.125%
HK$17,537
baseline
▲ 0.50% · 4.625%
HK$18,461
+HK$924/mo
Deposit HK$2.19M · loan HK$3.28M · min. income ≈ HK$35,074/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$122,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,448
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$17,991
−HK$551/mo
Today · 4.125%
HK$18,542
baseline
▲ 0.50% · 4.625%
HK$19,670
+HK$1,128/mo
Deposit HK$1.64M · loan HK$3.83M · min. income ≈ HK$37,084/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,411
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$19,931
−HK$528/mo
Today · 4.125%
HK$20,459
baseline
▲ 0.50% · 4.625%
HK$21,538
+HK$1,079/mo
Deposit HK$1.64M · loan HK$3.83M · min. income ≈ HK$40,918/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,433
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$23,131
−HK$709/mo
Today · 4.125%
HK$23,840
baseline
▲ 0.50% · 4.625%
HK$25,290
+HK$1,450/mo
Deposit HK$547K · loan HK$4.92M · min. income ≈ HK$47,680/mo (50% DSR)
Upfront cash ≈ HK$670K (deposit + AVD stamp duty HK$122,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,957
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$25,626
−HK$679/mo
Today · 4.125%
HK$26,305
baseline
▲ 0.50% · 4.625%
HK$27,691
+HK$1,386/mo
Deposit HK$547K · loan HK$4.92M · min. income ≈ HK$52,610/mo (50% DSR)
Upfront cash ≈ HK$670K (deposit + AVD stamp duty HK$122,975 · 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).