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$12,489
−HK$783/mo
▼ 0.25% · 3.875%
HK$12,877
−HK$395/mo
Today · 4.125%
HK$13,272
baseline
▲ 0.50% · 4.625%
HK$14,080
+HK$808/mo
Deposit HK$2.74M · loan HK$2.74M · min. income ≈ HK$26,544/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$123,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,894
−HK$750/mo
▼ 0.25% · 3.875%
HK$14,266
−HK$378/mo
Today · 4.125%
HK$14,644
baseline
▲ 0.50% · 4.625%
HK$15,416
+HK$772/mo
Deposit HK$2.74M · loan HK$2.74M · min. income ≈ HK$29,288/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$123,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,987
−HK$939/mo
▼ 0.25% · 3.875%
HK$15,453
−HK$473/mo
Today · 4.125%
HK$15,926
baseline
▲ 0.50% · 4.625%
HK$16,895
+HK$969/mo
Deposit HK$2.19M · loan HK$3.29M · min. income ≈ HK$31,852/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$123,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,672
−HK$901/mo
▼ 0.25% · 3.875%
HK$17,120
−HK$453/mo
Today · 4.125%
HK$17,573
baseline
▲ 0.50% · 4.625%
HK$18,500
+HK$927/mo
Deposit HK$2.19M · loan HK$3.29M · min. income ≈ HK$35,146/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$123,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,484
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$18,028
−HK$553/mo
Today · 4.125%
HK$18,581
baseline
▲ 0.50% · 4.625%
HK$19,711
+HK$1,130/mo
Deposit HK$1.64M · loan HK$3.83M · min. income ≈ HK$37,162/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,451
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$19,973
−HK$529/mo
Today · 4.125%
HK$20,502
baseline
▲ 0.50% · 4.625%
HK$21,583
+HK$1,081/mo
Deposit HK$1.64M · loan HK$3.83M · min. income ≈ HK$41,004/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$123,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,480
−HK$1,410/mo
▼ 0.25% · 3.875%
HK$23,179
−HK$711/mo
Today · 4.125%
HK$23,890
baseline
▲ 0.50% · 4.625%
HK$25,343
+HK$1,453/mo
Deposit HK$548K · loan HK$4.93M · min. income ≈ HK$47,780/mo (50% DSR)
Upfront cash ≈ HK$671K (deposit + AVD stamp duty HK$123,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,009
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$25,679
−HK$681/mo
Today · 4.125%
HK$26,360
baseline
▲ 0.50% · 4.625%
HK$27,749
+HK$1,389/mo
Deposit HK$548K · loan HK$4.93M · min. income ≈ HK$52,720/mo (50% DSR)
Upfront cash ≈ HK$671K (deposit + AVD stamp duty HK$123,232 · 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).