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$12,454
−HK$781/mo
▼ 0.25% · 3.875%
HK$12,841
−HK$394/mo
Today · 4.125%
HK$13,235
baseline
▲ 0.50% · 4.625%
HK$14,040
+HK$805/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$26,470/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$122,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,854
−HK$749/mo
▼ 0.25% · 3.875%
HK$14,226
−HK$377/mo
Today · 4.125%
HK$14,603
baseline
▲ 0.50% · 4.625%
HK$15,373
+HK$770/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$29,206/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$122,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,944
−HK$937/mo
▼ 0.25% · 3.875%
HK$15,409
−HK$472/mo
Today · 4.125%
HK$15,881
baseline
▲ 0.50% · 4.625%
HK$16,848
+HK$967/mo
Deposit HK$2.18M · loan HK$3.28M · min. income ≈ HK$31,762/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$122,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,625
−HK$899/mo
▼ 0.25% · 3.875%
HK$17,071
−HK$453/mo
Today · 4.125%
HK$17,524
baseline
▲ 0.50% · 4.625%
HK$18,447
+HK$923/mo
Deposit HK$2.18M · loan HK$3.28M · min. income ≈ HK$35,048/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$122,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,435
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$17,977
−HK$551/mo
Today · 4.125%
HK$18,528
baseline
▲ 0.50% · 4.625%
HK$19,656
+HK$1,128/mo
Deposit HK$1.64M · loan HK$3.82M · min. income ≈ HK$37,056/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,396
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$19,916
−HK$528/mo
Today · 4.125%
HK$20,444
baseline
▲ 0.50% · 4.625%
HK$21,522
+HK$1,078/mo
Deposit HK$1.64M · loan HK$3.82M · min. income ≈ HK$40,888/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,416
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$23,114
−HK$708/mo
Today · 4.125%
HK$23,822
baseline
▲ 0.50% · 4.625%
HK$25,272
+HK$1,450/mo
Deposit HK$546K · loan HK$4.92M · min. income ≈ HK$47,644/mo (50% DSR)
Upfront cash ≈ HK$669K (deposit + AVD stamp duty HK$122,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,938
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$25,607
−HK$678/mo
Today · 4.125%
HK$26,285
baseline
▲ 0.50% · 4.625%
HK$27,671
+HK$1,386/mo
Deposit HK$546K · loan HK$4.92M · min. income ≈ HK$52,570/mo (50% DSR)
Upfront cash ≈ HK$669K (deposit + AVD stamp duty HK$122,884 · 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).