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$12,431
−HK$780/mo
▼ 0.25% · 3.875%
HK$12,818
−HK$393/mo
Today · 4.125%
HK$13,211
baseline
▲ 0.50% · 4.625%
HK$14,014
+HK$803/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$26,422/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$122,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,829
−HK$748/mo
▼ 0.25% · 3.875%
HK$14,200
−HK$377/mo
Today · 4.125%
HK$14,577
baseline
▲ 0.50% · 4.625%
HK$15,345
+HK$768/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$29,154/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$122,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,917
−HK$936/mo
▼ 0.25% · 3.875%
HK$15,381
−HK$472/mo
Today · 4.125%
HK$15,853
baseline
▲ 0.50% · 4.625%
HK$16,817
+HK$964/mo
Deposit HK$2.18M · loan HK$3.27M · min. income ≈ HK$31,706/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,595
−HK$897/mo
▼ 0.25% · 3.875%
HK$17,040
−HK$452/mo
Today · 4.125%
HK$17,492
baseline
▲ 0.50% · 4.625%
HK$18,414
+HK$922/mo
Deposit HK$2.18M · loan HK$3.27M · min. income ≈ HK$34,984/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,404
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$17,945
−HK$550/mo
Today · 4.125%
HK$18,495
baseline
▲ 0.50% · 4.625%
HK$19,620
+HK$1,125/mo
Deposit HK$1.64M · loan HK$3.82M · min. income ≈ HK$36,990/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,361
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$19,881
−HK$526/mo
Today · 4.125%
HK$20,407
baseline
▲ 0.50% · 4.625%
HK$21,483
+HK$1,076/mo
Deposit HK$1.64M · loan HK$3.82M · min. income ≈ HK$40,814/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,376
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$23,072
−HK$707/mo
Today · 4.125%
HK$23,779
baseline
▲ 0.50% · 4.625%
HK$25,226
+HK$1,447/mo
Deposit HK$545K · loan HK$4.91M · min. income ≈ HK$47,558/mo (50% DSR)
Upfront cash ≈ HK$668K (deposit + AVD stamp duty HK$122,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,893
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$25,561
−HK$677/mo
Today · 4.125%
HK$26,238
baseline
▲ 0.50% · 4.625%
HK$27,621
+HK$1,383/mo
Deposit HK$545K · loan HK$4.91M · min. income ≈ HK$52,476/mo (50% DSR)
Upfront cash ≈ HK$668K (deposit + AVD stamp duty HK$122,662 · 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).