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$783/mo
▼ 0.25% · 3.875%
HK$12,881
−HK$395/mo
Today · 4.125%
HK$13,276
baseline
▲ 0.50% · 4.625%
HK$14,084
+HK$808/mo
Deposit HK$2.74M · loan HK$2.74M · min. income ≈ HK$26,552/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$123,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,898
−HK$751/mo
▼ 0.25% · 3.875%
HK$14,271
−HK$378/mo
Today · 4.125%
HK$14,649
baseline
▲ 0.50% · 4.625%
HK$15,421
+HK$772/mo
Deposit HK$2.74M · loan HK$2.74M · min. income ≈ HK$29,298/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$123,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,991
−HK$940/mo
▼ 0.25% · 3.875%
HK$15,458
−HK$473/mo
Today · 4.125%
HK$15,931
baseline
▲ 0.50% · 4.625%
HK$16,901
+HK$970/mo
Deposit HK$2.19M · loan HK$3.29M · min. income ≈ HK$31,862/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$123,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,678
−HK$901/mo
▼ 0.25% · 3.875%
HK$17,125
−HK$454/mo
Today · 4.125%
HK$17,579
baseline
▲ 0.50% · 4.625%
HK$18,505
+HK$926/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$123,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,490
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$18,034
−HK$553/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$123,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,457
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$19,979
−HK$529/mo
Today · 4.125%
HK$20,508
baseline
▲ 0.50% · 4.625%
HK$21,589
+HK$1,081/mo
Deposit HK$1.64M · loan HK$3.84M · min. income ≈ HK$41,016/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,487
−HK$1,410/mo
▼ 0.25% · 3.875%
HK$23,186
−HK$711/mo
Today · 4.125%
HK$23,897
baseline
▲ 0.50% · 4.625%
HK$25,351
+HK$1,454/mo
Deposit HK$548K · loan HK$4.93M · min. income ≈ HK$47,794/mo (50% DSR)
Upfront cash ≈ HK$671K (deposit + AVD stamp duty HK$123,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,016
−HK$1,352/mo
▼ 0.25% · 3.875%
HK$25,687
−HK$681/mo
Today · 4.125%
HK$26,368
baseline
▲ 0.50% · 4.625%
HK$27,758
+HK$1,390/mo
Deposit HK$548K · loan HK$4.93M · min. income ≈ HK$52,736/mo (50% DSR)
Upfront cash ≈ HK$671K (deposit + AVD stamp duty HK$123,270 · 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).