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$12,498
−HK$784/mo
▼ 0.25% · 3.875%
HK$12,887
−HK$395/mo
Today · 4.125%
HK$13,282
baseline
▲ 0.50% · 4.625%
HK$14,090
+HK$808/mo
Deposit HK$2.74M · loan HK$2.74M · min. income ≈ HK$26,564/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$123,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,904
−HK$751/mo
▼ 0.25% · 3.875%
HK$14,277
−HK$378/mo
Today · 4.125%
HK$14,655
baseline
▲ 0.50% · 4.625%
HK$15,428
+HK$773/mo
Deposit HK$2.74M · loan HK$2.74M · min. income ≈ HK$29,310/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$123,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,998
−HK$940/mo
▼ 0.25% · 3.875%
HK$15,464
−HK$474/mo
Today · 4.125%
HK$15,938
baseline
▲ 0.50% · 4.625%
HK$16,908
+HK$970/mo
Deposit HK$2.19M · loan HK$3.29M · min. income ≈ HK$31,876/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,685
−HK$901/mo
▼ 0.25% · 3.875%
HK$17,132
−HK$454/mo
Today · 4.125%
HK$17,586
baseline
▲ 0.50% · 4.625%
HK$18,513
+HK$927/mo
Deposit HK$2.19M · loan HK$3.29M · min. income ≈ HK$35,172/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,497
−HK$1,098/mo
▼ 0.25% · 3.875%
HK$18,042
−HK$553/mo
Today · 4.125%
HK$18,595
baseline
▲ 0.50% · 4.625%
HK$19,726
+HK$1,131/mo
Deposit HK$1.64M · loan HK$3.84M · min. income ≈ HK$37,190/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,466
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$19,988
−HK$529/mo
Today · 4.125%
HK$20,517
baseline
▲ 0.50% · 4.625%
HK$21,599
+HK$1,082/mo
Deposit HK$1.64M · loan HK$3.84M · min. income ≈ HK$41,034/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,497
−HK$1,410/mo
▼ 0.25% · 3.875%
HK$23,196
−HK$711/mo
Today · 4.125%
HK$23,907
baseline
▲ 0.50% · 4.625%
HK$25,362
+HK$1,455/mo
Deposit HK$548K · loan HK$4.93M · min. income ≈ HK$47,814/mo (50% DSR)
Upfront cash ≈ HK$671K (deposit + AVD stamp duty HK$123,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,027
−HK$1,352/mo
▼ 0.25% · 3.875%
HK$25,698
−HK$681/mo
Today · 4.125%
HK$26,379
baseline
▲ 0.50% · 4.625%
HK$27,770
+HK$1,391/mo
Deposit HK$548K · loan HK$4.93M · min. income ≈ HK$52,758/mo (50% DSR)
Upfront cash ≈ HK$671K (deposit + AVD stamp duty HK$123,323 · 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).