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$12,452
−HK$781/mo
▼ 0.25% · 3.875%
HK$12,840
−HK$393/mo
Today · 4.125%
HK$13,233
baseline
▲ 0.50% · 4.625%
HK$14,038
+HK$805/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$26,466/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$122,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,853
−HK$749/mo
▼ 0.25% · 3.875%
HK$14,225
−HK$377/mo
Today · 4.125%
HK$14,602
baseline
▲ 0.50% · 4.625%
HK$15,371
+HK$769/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$29,204/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$122,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,943
−HK$937/mo
▼ 0.25% · 3.875%
HK$15,408
−HK$472/mo
Today · 4.125%
HK$15,880
baseline
▲ 0.50% · 4.625%
HK$16,846
+HK$966/mo
Deposit HK$2.18M · loan HK$3.28M · min. income ≈ HK$31,760/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$122,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,624
−HK$898/mo
▼ 0.25% · 3.875%
HK$17,070
−HK$452/mo
Today · 4.125%
HK$17,522
baseline
▲ 0.50% · 4.625%
HK$18,445
+HK$923/mo
Deposit HK$2.18M · loan HK$3.28M · min. income ≈ HK$35,044/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$122,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,433
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$17,976
−HK$551/mo
Today · 4.125%
HK$18,527
baseline
▲ 0.50% · 4.625%
HK$19,654
+HK$1,127/mo
Deposit HK$1.64M · loan HK$3.82M · min. income ≈ HK$37,054/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,394
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$19,915
−HK$527/mo
Today · 4.125%
HK$20,442
baseline
▲ 0.50% · 4.625%
HK$21,520
+HK$1,078/mo
Deposit HK$1.64M · loan HK$3.82M · min. income ≈ HK$40,884/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,414
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$23,111
−HK$709/mo
Today · 4.125%
HK$23,820
baseline
▲ 0.50% · 4.625%
HK$25,269
+HK$1,449/mo
Deposit HK$546K · loan HK$4.91M · min. income ≈ HK$47,640/mo (50% DSR)
Upfront cash ≈ HK$669K (deposit + AVD stamp duty HK$122,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,936
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$25,604
−HK$679/mo
Today · 4.125%
HK$26,283
baseline
▲ 0.50% · 4.625%
HK$27,668
+HK$1,385/mo
Deposit HK$546K · loan HK$4.91M · min. income ≈ HK$52,566/mo (50% DSR)
Upfront cash ≈ HK$669K (deposit + AVD stamp duty HK$122,872 · 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).