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$12,494
−HK$784/mo
▼ 0.25% · 3.875%
HK$12,883
−HK$395/mo
Today · 4.125%
HK$13,278
baseline
▲ 0.50% · 4.625%
HK$14,085
+HK$807/mo
Deposit HK$2.74M · loan HK$2.74M · min. income ≈ HK$26,556/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$123,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,899
−HK$751/mo
▼ 0.25% · 3.875%
HK$14,272
−HK$378/mo
Today · 4.125%
HK$14,650
baseline
▲ 0.50% · 4.625%
HK$15,423
+HK$773/mo
Deposit HK$2.74M · loan HK$2.74M · min. income ≈ HK$29,300/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$123,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,993
−HK$940/mo
▼ 0.25% · 3.875%
HK$15,459
−HK$474/mo
Today · 4.125%
HK$15,933
baseline
▲ 0.50% · 4.625%
HK$16,902
+HK$969/mo
Deposit HK$2.19M · loan HK$3.29M · min. income ≈ HK$31,866/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$123,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,679
−HK$902/mo
▼ 0.25% · 3.875%
HK$17,127
−HK$454/mo
Today · 4.125%
HK$17,581
baseline
▲ 0.50% · 4.625%
HK$18,507
+HK$926/mo
Deposit HK$2.19M · loan HK$3.29M · min. income ≈ HK$35,162/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$123,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,492
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$18,036
−HK$553/mo
Today · 4.125%
HK$18,589
baseline
▲ 0.50% · 4.625%
HK$19,720
+HK$1,131/mo
Deposit HK$1.64M · loan HK$3.84M · min. income ≈ HK$37,178/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,459
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$19,981
−HK$530/mo
Today · 4.125%
HK$20,511
baseline
▲ 0.50% · 4.625%
HK$21,592
+HK$1,081/mo
Deposit HK$1.64M · loan HK$3.84M · min. income ≈ HK$41,022/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,489
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$23,189
−HK$711/mo
Today · 4.125%
HK$23,900
baseline
▲ 0.50% · 4.625%
HK$25,354
+HK$1,454/mo
Deposit HK$548K · loan HK$4.93M · min. income ≈ HK$47,800/mo (50% DSR)
Upfront cash ≈ HK$671K (deposit + AVD stamp duty HK$123,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,019
−HK$1,352/mo
▼ 0.25% · 3.875%
HK$25,690
−HK$681/mo
Today · 4.125%
HK$26,371
baseline
▲ 0.50% · 4.625%
HK$27,761
+HK$1,390/mo
Deposit HK$548K · loan HK$4.93M · min. income ≈ HK$52,742/mo (50% DSR)
Upfront cash ≈ HK$671K (deposit + AVD stamp duty HK$123,283 · 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).