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$12,445
−HK$780/mo
▼ 0.25% · 3.875%
HK$12,832
−HK$393/mo
Today · 4.125%
HK$13,225
baseline
▲ 0.50% · 4.625%
HK$14,030
+HK$805/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$26,450/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$122,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,844
−HK$748/mo
▼ 0.25% · 3.875%
HK$14,216
−HK$376/mo
Today · 4.125%
HK$14,592
baseline
▲ 0.50% · 4.625%
HK$15,362
+HK$770/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$29,184/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$122,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,933
−HK$937/mo
▼ 0.25% · 3.875%
HK$15,398
−HK$472/mo
Today · 4.125%
HK$15,870
baseline
▲ 0.50% · 4.625%
HK$16,836
+HK$966/mo
Deposit HK$2.18M · loan HK$3.27M · min. income ≈ HK$31,740/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$122,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,613
−HK$898/mo
▼ 0.25% · 3.875%
HK$17,059
−HK$452/mo
Today · 4.125%
HK$17,511
baseline
▲ 0.50% · 4.625%
HK$18,434
+HK$923/mo
Deposit HK$2.18M · loan HK$3.27M · min. income ≈ HK$35,022/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$122,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,422
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$17,964
−HK$551/mo
Today · 4.125%
HK$18,515
baseline
▲ 0.50% · 4.625%
HK$19,642
+HK$1,127/mo
Deposit HK$1.64M · loan HK$3.82M · min. income ≈ HK$37,030/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,382
−HK$1,047/mo
▼ 0.25% · 3.875%
HK$19,902
−HK$527/mo
Today · 4.125%
HK$20,429
baseline
▲ 0.50% · 4.625%
HK$21,506
+HK$1,077/mo
Deposit HK$1.64M · loan HK$3.82M · min. income ≈ HK$40,858/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,400
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$23,097
−HK$708/mo
Today · 4.125%
HK$23,805
baseline
▲ 0.50% · 4.625%
HK$25,253
+HK$1,448/mo
Deposit HK$546K · loan HK$4.91M · min. income ≈ HK$47,610/mo (50% DSR)
Upfront cash ≈ HK$669K (deposit + AVD stamp duty HK$122,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,920
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$25,588
−HK$678/mo
Today · 4.125%
HK$26,266
baseline
▲ 0.50% · 4.625%
HK$27,651
+HK$1,385/mo
Deposit HK$546K · loan HK$4.91M · min. income ≈ HK$52,532/mo (50% DSR)
Upfront cash ≈ HK$669K (deposit + AVD stamp duty HK$122,795 · 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).