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$12,473
−HK$783/mo
▼ 0.25% · 3.875%
HK$12,861
−HK$395/mo
Today · 4.125%
HK$13,256
baseline
▲ 0.50% · 4.625%
HK$14,062
+HK$806/mo
Deposit HK$2.74M · loan HK$2.74M · min. income ≈ HK$26,512/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$123,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,877
−HK$749/mo
▼ 0.25% · 3.875%
HK$14,249
−HK$377/mo
Today · 4.125%
HK$14,626
baseline
▲ 0.50% · 4.625%
HK$15,397
+HK$771/mo
Deposit HK$2.74M · loan HK$2.74M · min. income ≈ HK$29,252/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$123,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,968
−HK$939/mo
▼ 0.25% · 3.875%
HK$15,434
−HK$473/mo
Today · 4.125%
HK$15,907
baseline
▲ 0.50% · 4.625%
HK$16,875
+HK$968/mo
Deposit HK$2.19M · loan HK$3.28M · min. income ≈ HK$31,814/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$123,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,652
−HK$899/mo
▼ 0.25% · 3.875%
HK$17,098
−HK$453/mo
Today · 4.125%
HK$17,551
baseline
▲ 0.50% · 4.625%
HK$18,477
+HK$926/mo
Deposit HK$2.19M · loan HK$3.28M · min. income ≈ HK$35,102/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$123,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,463
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$18,006
−HK$552/mo
Today · 4.125%
HK$18,558
baseline
▲ 0.50% · 4.625%
HK$19,687
+HK$1,129/mo
Deposit HK$1.64M · loan HK$3.83M · min. income ≈ HK$37,116/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$123,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,427
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$19,948
−HK$529/mo
Today · 4.125%
HK$20,477
baseline
▲ 0.50% · 4.625%
HK$21,556
+HK$1,079/mo
Deposit HK$1.64M · loan HK$3.83M · min. income ≈ HK$40,954/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$123,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,452
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$23,151
−HK$709/mo
Today · 4.125%
HK$23,860
baseline
▲ 0.50% · 4.625%
HK$25,312
+HK$1,452/mo
Deposit HK$547K · loan HK$4.92M · min. income ≈ HK$47,720/mo (50% DSR)
Upfront cash ≈ HK$670K (deposit + AVD stamp duty HK$123,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,978
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$25,648
−HK$679/mo
Today · 4.125%
HK$26,327
baseline
▲ 0.50% · 4.625%
HK$27,715
+HK$1,388/mo
Deposit HK$547K · loan HK$4.92M · min. income ≈ HK$52,654/mo (50% DSR)
Upfront cash ≈ HK$670K (deposit + AVD stamp duty HK$123,079 · 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).