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$12,439
−HK$780/mo
▼ 0.25% · 3.875%
HK$12,826
−HK$393/mo
Today · 4.125%
HK$13,219
baseline
▲ 0.50% · 4.625%
HK$14,023
+HK$804/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$26,438/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$122,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,838
−HK$748/mo
▼ 0.25% · 3.875%
HK$14,209
−HK$377/mo
Today · 4.125%
HK$14,586
baseline
▲ 0.50% · 4.625%
HK$15,354
+HK$768/mo
Deposit HK$2.73M · loan HK$2.73M · min. income ≈ HK$29,172/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$122,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,926
−HK$936/mo
▼ 0.25% · 3.875%
HK$15,391
−HK$471/mo
Today · 4.125%
HK$15,862
baseline
▲ 0.50% · 4.625%
HK$16,828
+HK$966/mo
Deposit HK$2.18M · loan HK$3.27M · min. income ≈ HK$31,724/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,605
−HK$898/mo
▼ 0.25% · 3.875%
HK$17,051
−HK$452/mo
Today · 4.125%
HK$17,503
baseline
▲ 0.50% · 4.625%
HK$18,425
+HK$922/mo
Deposit HK$2.18M · loan HK$3.27M · min. income ≈ HK$35,006/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$122,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,414
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$17,956
−HK$550/mo
Today · 4.125%
HK$18,506
baseline
▲ 0.50% · 4.625%
HK$19,632
+HK$1,126/mo
Deposit HK$1.64M · loan HK$3.82M · min. income ≈ HK$37,012/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,373
−HK$1,047/mo
▼ 0.25% · 3.875%
HK$19,893
−HK$527/mo
Today · 4.125%
HK$20,420
baseline
▲ 0.50% · 4.625%
HK$21,496
+HK$1,076/mo
Deposit HK$1.64M · loan HK$3.82M · min. income ≈ HK$40,840/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$122,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,390
−HK$1,404/mo
▼ 0.25% · 3.875%
HK$23,086
−HK$708/mo
Today · 4.125%
HK$23,794
baseline
▲ 0.50% · 4.625%
HK$25,241
+HK$1,447/mo
Deposit HK$545K · loan HK$4.91M · min. income ≈ HK$47,588/mo (50% DSR)
Upfront cash ≈ HK$668K (deposit + AVD stamp duty HK$122,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,908
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$25,576
−HK$678/mo
Today · 4.125%
HK$26,254
baseline
▲ 0.50% · 4.625%
HK$27,638
+HK$1,384/mo
Deposit HK$545K · loan HK$4.91M · min. income ≈ HK$52,508/mo (50% DSR)
Upfront cash ≈ HK$668K (deposit + AVD stamp duty HK$122,737 · 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).