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$12,447
−HK$781/mo
▼ 0.25% · 3.875%
HK$12,834
−HK$394/mo
Today · 4.125%
HK$13,228
baseline
▲ 0.50% · 4.625%
HK$14,032
+HK$804/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$26,456/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$122,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,847
−HK$748/mo
▼ 0.25% · 3.875%
HK$14,219
−HK$376/mo
Today · 4.125%
HK$14,595
baseline
▲ 0.50% · 4.625%
HK$15,365
+HK$770/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$29,190/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$122,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,936
−HK$937/mo
▼ 0.25% · 3.875%
HK$15,401
−HK$472/mo
Today · 4.125%
HK$15,873
baseline
▲ 0.50% · 4.625%
HK$16,839
+HK$966/mo
Deposit HK$2.18M · loan HK$3.28M · min. income ≈ HK$31,746/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$122,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,617
−HK$897/mo
▼ 0.25% · 3.875%
HK$17,062
−HK$452/mo
Today · 4.125%
HK$17,514
baseline
▲ 0.50% · 4.625%
HK$18,438
+HK$924/mo
Deposit HK$2.18M · loan HK$3.28M · min. income ≈ HK$35,028/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$122,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,426
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$17,968
−HK$551/mo
Today · 4.125%
HK$18,519
baseline
▲ 0.50% · 4.625%
HK$19,645
+HK$1,126/mo
Deposit HK$1.64M · loan HK$3.82M · min. income ≈ HK$37,038/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,386
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$19,906
−HK$528/mo
Today · 4.125%
HK$20,434
baseline
▲ 0.50% · 4.625%
HK$21,511
+HK$1,077/mo
Deposit HK$1.64M · loan HK$3.82M · min. income ≈ HK$40,868/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,405
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$23,102
−HK$708/mo
Today · 4.125%
HK$23,810
baseline
▲ 0.50% · 4.625%
HK$25,258
+HK$1,448/mo
Deposit HK$546K · loan HK$4.91M · min. income ≈ HK$47,620/mo (50% DSR)
Upfront cash ≈ HK$669K (deposit + AVD stamp duty HK$122,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,925
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$25,594
−HK$678/mo
Today · 4.125%
HK$26,272
baseline
▲ 0.50% · 4.625%
HK$27,656
+HK$1,384/mo
Deposit HK$546K · loan HK$4.91M · min. income ≈ HK$52,544/mo (50% DSR)
Upfront cash ≈ HK$669K (deposit + AVD stamp duty HK$122,820 · 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).