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$12,473
−HK$782/mo
▼ 0.25% · 3.875%
HK$12,861
−HK$394/mo
Today · 4.125%
HK$13,255
baseline
▲ 0.50% · 4.625%
HK$14,061
+HK$806/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$26,510/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$123,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,876
−HK$749/mo
▼ 0.25% · 3.875%
HK$14,248
−HK$377/mo
Today · 4.125%
HK$14,625
baseline
▲ 0.50% · 4.625%
HK$15,396
+HK$771/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$29,250/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$123,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,967
−HK$939/mo
▼ 0.25% · 3.875%
HK$15,433
−HK$473/mo
Today · 4.125%
HK$15,906
baseline
▲ 0.50% · 4.625%
HK$16,874
+HK$968/mo
Deposit HK$2.19M · loan HK$3.28M · min. income ≈ HK$31,812/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$123,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,651
−HK$900/mo
▼ 0.25% · 3.875%
HK$17,098
−HK$453/mo
Today · 4.125%
HK$17,551
baseline
▲ 0.50% · 4.625%
HK$18,476
+HK$925/mo
Deposit HK$2.19M · loan HK$3.28M · min. income ≈ HK$35,102/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$123,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,462
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$18,005
−HK$552/mo
Today · 4.125%
HK$18,557
baseline
▲ 0.50% · 4.625%
HK$19,686
+HK$1,129/mo
Deposit HK$1.64M · loan HK$3.83M · min. income ≈ HK$37,114/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$123,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,426
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$19,947
−HK$529/mo
Today · 4.125%
HK$20,476
baseline
▲ 0.50% · 4.625%
HK$21,555
+HK$1,079/mo
Deposit HK$1.64M · loan HK$3.83M · min. income ≈ HK$40,952/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$123,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,451
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$23,149
−HK$710/mo
Today · 4.125%
HK$23,859
baseline
▲ 0.50% · 4.625%
HK$25,311
+HK$1,452/mo
Deposit HK$547K · loan HK$4.92M · min. income ≈ HK$47,718/mo (50% DSR)
Upfront cash ≈ HK$670K (deposit + AVD stamp duty HK$123,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,976
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$25,646
−HK$680/mo
Today · 4.125%
HK$26,326
baseline
▲ 0.50% · 4.625%
HK$27,714
+HK$1,388/mo
Deposit HK$547K · loan HK$4.92M · min. income ≈ HK$52,652/mo (50% DSR)
Upfront cash ≈ HK$670K (deposit + AVD stamp duty HK$123,073 · 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).