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$12,501
−HK$784/mo
▼ 0.25% · 3.875%
HK$12,889
−HK$396/mo
Today · 4.125%
HK$13,285
baseline
▲ 0.50% · 4.625%
HK$14,093
+HK$808/mo
Deposit HK$2.74M · loan HK$2.74M · min. income ≈ HK$26,570/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$123,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,907
−HK$751/mo
▼ 0.25% · 3.875%
HK$14,280
−HK$378/mo
Today · 4.125%
HK$14,658
baseline
▲ 0.50% · 4.625%
HK$15,431
+HK$773/mo
Deposit HK$2.74M · loan HK$2.74M · min. income ≈ HK$29,316/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$123,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,001
−HK$940/mo
▼ 0.25% · 3.875%
HK$15,467
−HK$474/mo
Today · 4.125%
HK$15,941
baseline
▲ 0.50% · 4.625%
HK$16,911
+HK$970/mo
Deposit HK$2.19M · loan HK$3.29M · min. income ≈ HK$31,882/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,688
−HK$902/mo
▼ 0.25% · 3.875%
HK$17,136
−HK$454/mo
Today · 4.125%
HK$17,590
baseline
▲ 0.50% · 4.625%
HK$18,517
+HK$927/mo
Deposit HK$2.19M · loan HK$3.29M · min. income ≈ HK$35,180/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$123,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,501
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$18,045
−HK$553/mo
Today · 4.125%
HK$18,598
baseline
▲ 0.50% · 4.625%
HK$19,730
+HK$1,132/mo
Deposit HK$1.64M · loan HK$3.84M · min. income ≈ HK$37,196/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,470
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$19,992
−HK$529/mo
Today · 4.125%
HK$20,521
baseline
▲ 0.50% · 4.625%
HK$21,603
+HK$1,082/mo
Deposit HK$1.64M · loan HK$3.84M · min. income ≈ HK$41,042/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,501
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$23,201
−HK$711/mo
Today · 4.125%
HK$23,912
baseline
▲ 0.50% · 4.625%
HK$25,367
+HK$1,455/mo
Deposit HK$548K · loan HK$4.93M · min. income ≈ HK$47,824/mo (50% DSR)
Upfront cash ≈ HK$672K (deposit + AVD stamp duty HK$123,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,032
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$25,704
−HK$681/mo
Today · 4.125%
HK$26,385
baseline
▲ 0.50% · 4.625%
HK$27,775
+HK$1,390/mo
Deposit HK$548K · loan HK$4.93M · min. income ≈ HK$52,770/mo (50% DSR)
Upfront cash ≈ HK$672K (deposit + AVD stamp duty HK$123,348 · 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).