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$12,430
−HK$779/mo
▼ 0.25% · 3.875%
HK$12,816
−HK$393/mo
Today · 4.125%
HK$13,209
baseline
▲ 0.50% · 4.625%
HK$14,013
+HK$804/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$26,418/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$122,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,828
−HK$747/mo
▼ 0.25% · 3.875%
HK$14,199
−HK$376/mo
Today · 4.125%
HK$14,575
baseline
▲ 0.50% · 4.625%
HK$15,343
+HK$768/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$29,150/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$122,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,915
−HK$936/mo
▼ 0.25% · 3.875%
HK$15,379
−HK$472/mo
Today · 4.125%
HK$15,851
baseline
▲ 0.50% · 4.625%
HK$16,815
+HK$964/mo
Deposit HK$2.18M · loan HK$3.27M · min. income ≈ HK$31,702/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,593
−HK$897/mo
▼ 0.25% · 3.875%
HK$17,038
−HK$452/mo
Today · 4.125%
HK$17,490
baseline
▲ 0.50% · 4.625%
HK$18,412
+HK$922/mo
Deposit HK$2.18M · loan HK$3.27M · min. income ≈ HK$34,980/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,401
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$17,943
−HK$550/mo
Today · 4.125%
HK$18,493
baseline
▲ 0.50% · 4.625%
HK$19,618
+HK$1,125/mo
Deposit HK$1.64M · loan HK$3.82M · min. income ≈ HK$36,986/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,359
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$19,878
−HK$527/mo
Today · 4.125%
HK$20,405
baseline
▲ 0.50% · 4.625%
HK$21,480
+HK$1,075/mo
Deposit HK$1.64M · loan HK$3.82M · min. income ≈ HK$40,810/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,373
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$23,069
−HK$707/mo
Today · 4.125%
HK$23,776
baseline
▲ 0.50% · 4.625%
HK$25,223
+HK$1,447/mo
Deposit HK$545K · loan HK$4.91M · min. income ≈ HK$47,552/mo (50% DSR)
Upfront cash ≈ HK$668K (deposit + AVD stamp duty HK$122,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,890
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$25,558
−HK$677/mo
Today · 4.125%
HK$26,235
baseline
▲ 0.50% · 4.625%
HK$27,618
+HK$1,383/mo
Deposit HK$545K · loan HK$4.91M · min. income ≈ HK$52,470/mo (50% DSR)
Upfront cash ≈ HK$668K (deposit + AVD stamp duty HK$122,647 · 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).